If you’ve ever been sick or injured, you know how important it is to have health insurance coverage. If you don’t have access to a group health insurance plan through your employer, let an independent agent at Arnold Insurance Agency recommend an individual health insurance policy to cover your medical expenses. This could be a managed care plan, such as a health maintenance organization (HMO), preferred provider organization (PPO), or a point-of-service (POS) plan. Or you may want to consider a health savings account (HSA). This is available only with a high-deductible health insurance policy. Not every high-deductible plan can be partnered with an HSA.

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