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How to Shop for Individual Health Insurance


If you find yourself in the position of shopping for anindividual health insurance policy, there are certain thingsyou'll want to keep in mind. Whether you are coming out of a job that covered you before, or are at the end of yourCOBRA benefits, or simply have never had coverage beforethere are things you can do to get coverage on yourself andyour loved ones.

The basic thing to know is that if you have a shot a grouphealth insurance, whether through a job or an association you're a member of, that is usually much more affordablethan buying individual health insurance on your own. Firstyou need to figure out your health insurance goals; in otherwords, what are you after? If you're young, healthy as ahorse, no dependents and not attempting Mt. Everest nextweek, you may want to opt for a policy that covers only thecatastrophes, and cover the rest out-of-pocket. On the flipside of that, if you're the sole bread winner with a familyto support, the scenario is different.

The basic choices you'll have are Fee-for-Service, ManagedCare Plans, and Association-based health insurance. Fee-for-service is the traditional indemnity plan, harder toacquire, more expensive, but usually great coverage.Managed care plans include most HMO's and PPO's. These offerlower costs but your choices are somewhat limited. Anotherway to get insured is through a group or association youmay already be a member of, such as professional, religiousor trade organizations. Often they may offer healthinsurance. It's worth checking out, as sometimes you canstrike gold in this vein.

Things to consider when you're looking for any policy arewhat's covered on this plan, how much are the monthlypremiums, what is the yearly out-of-pocket, what is thedeductible, how much are office visits, does it coverpreventative medicine, vision, dental? And I'm sure you cancome up with many of your own. Sit down before you goshopping and make a list of your needs and wants, and decidein advance what you're willing to give to get. Be aware thatonce you start getting quotes they can vary as much as 50%for the same person! Remember, you're shopping, and nobody'smaking you do anything. If one insurer isn't cutting it,move on to another. If you're coming at this cold and haveno good recommendations it may be wise to use a broker whorepresents several companies, as he or she wil be morelikely to find the best policy for you, as opposed toselling the company they work for.

Shopping for individual health insurance can befrustrating and time-consuming, but if you come armed withfacts you'll be able to navigate this highly competitive andever-changing field.

Keith Thompson is the webmaster at health Insurance Plans, asite geared toward helping you find great individual healthinsurance!


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Insurance - Google News

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GE's Credit Risk Rises After Insurance Charge Spooks Investors - Bloomberg


Bloomberg

GE's Credit Risk Rises After Insurance Charge Spooks Investors
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The Boston-based company unnerved investors when it disclosed that it would take a $6.2 billion charge and set aside $15 billion in the coming years to add to reserves for a portfolio primarily of long-term care insurance policies. The announcement ...

Liberty Mutual sells life insurance unit for $3.3 billion as part of overhaul - Boston Business Journal


Boston Business Journal

Liberty Mutual sells life insurance unit for $3.3 billion as part of overhaul
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Liberty Mutual Insurance Group has agreed to sell its group benefits and life insurance subsidiary to Lincoln Financial Group for $3.3 billion, fulfilling a plan to focus fully on property and casualty insurance. Lincoln Financial (NYSE: LNC) will keep ...
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Paul Ryan is lying to you about the Children's Health Insurance Program - Vox


Vox

Paul Ryan is lying to you about the Children's Health Insurance Program
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Paul Ryan's absolute greatest passion in life, the thing that drives him and underlies all of his work in public office, is destroying government programs for poor and low-income people. This was behind his 2005 push to privatize Social Security; it's ...
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Home inventories are necessary, but not as hard as you think - Jackson Clarion Ledger


Jackson Clarion Ledger

Home inventories are necessary, but not as hard as you think
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It's a tragic picture that's repeated much too often: A family finds itself on the street, staring shell-shocked at the smoldering ruins of their home, or trying to pick their way through the wreckage after a tornado rampages through their town. What ...

AHA Makes Suggestions for In-State Insurance Market Stabilization - HealthPayerIntelligence.com


HealthPayerIntelligence.com

AHA Makes Suggestions for In-State Insurance Market Stabilization
HealthPayerIntelligence.com
January 19, 2018 - In order to stabilize in-state insurance markets, stakeholders should consider strategies including reinsurance, Medicaid-sponsored health plans, and high-risk pools, according to the AHA. Several factors are contributing to unstable ...

Tennessee Captive Insurance Companies Exceed $1 Billion in Premiums - Insurance Journal


Tennessee Captive Insurance Companies Exceed $1 Billion in Premiums
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TDCI's Insurance Division is responsible for properly regulating Tennessee's captive insurance industry. “Not only are the size of new captives increasing, we are seeing the maturation of the captive insurance marketplace,” said Director of Captive ...

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Why Montecito's mudslide victims don't need flood insurance to recover their losses - Los Angeles Times


Los Angeles Times

Why Montecito's mudslide victims don't need flood insurance to recover their losses
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To the editor: Law professor Kenneth S. Klein writes that Montecito flood victims should not suppose their property losses are covered by homeowners' insurance. Contrary to Klein's statement, that is exactly what they should suppose. (“Another lesson ...

South Carolina School District Sues in Insurance Case - U.S. News & World Report


WCBD News 2

South Carolina School District Sues in Insurance Case
U.S. News & World Report
South Carolina School District Sues in Insurance Case. A South Carolina school district has sued a North Carolina insurance brokerage, saying it sold the district excessive policies and charged too much. Jan. 19, 2018, at 12:26 p.m.. South Carolina ...
The Berkeley County School District seeks $42 million in alleged insurance fraud scheme WCBD News 2

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Climate insurance scheme targets women farmers in Africa, Asia - Reuters


Climate insurance scheme targets women farmers in Africa, Asia
Reuters
The African and Asian Resilience in Disaster Insurance Scheme (ARDIS) is being led by VisionFund International, the microfinance arm of development charity World Vision, and Global Parametrics, a new venture backed by the British and German governments ...

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