Not everyone has a job that offers health insurance. Unless there is already a provider the individual prefers, it can be tricky to find the right insurance. There is the method of going through each insurance company you are familiar with but the most efficient way would be to compare plans side by side of various companies. The government website www.healthcare.gov provides a bit of information about new health care laws and Partnership for Patients program in addition to their insurance plans information.
First they ask where you are living and if you are looking for coverage for a family, if you’re a healthy individual, if you have a previous condition, if you have a disability, if you are under the age of 26, self-employed or if you are pregnant. There are a few simple questions after that regarding current or previous health insurance but they are very simple to answer. It takes less than two minutes to answer all the questions before you get to the insurance plans that best fit your situation.
You can compare three plans at a time. You can compare the estimated monthly premiums, the percentage of people denied the plan, annual deductible and when it kicks in, out-of-pocket limit and if it is included in the deductible, if it is eligible for the Health Savings Account, the services that are excluded, primary care physician visits, specialty doctor visits, copay fees, prescription drugs and whether or not drug fees also have a deductible and what is covered during pregnancy and/or labor. So much information is covered it could easily be overwhelming but the website makes it’s much easier to handle in small chunks.
From there it’s recommended to visit the website of the provider most to your liking. As helpful as the website is it doesn’t make the decision of choosing easier. What’s more important: lower monthly payments, lower deductibles, basic coverage, extensive coverage oh and by the way do you want to invest some money into any future illnesses you might have? Chances are you will need to sacrifice one of these. You won’t find all of the above for a very low monthly payment so it’s best to be very realistic about what is the most important factor for you. It’s a decision that needs to be made and not put off. At the very least, have the minimum coverage. It’s just when a person least expects the unexpected to happen that it does.
There are multiple websites available to do this exact thing. Please do not forget your options but I think it’s good to know the government can actually produce something in health care that isn’t so confusing. I’ve only found this website as evidence of that but it gives a little hope, doesn’t it?