Here are five tips for getting a decent health insurance plan.1.
Make sure you can afford itFirst, find out how much you’re paying for your plan.
That should give you a sense of what you need to budget for.
The average premium for a silver plan is $1,749, according to the Department of Health and Human Services.
A bronze plan is slightly more expensive at $1.894 per month.2.
Check your coverage detailsFirst, go to the HealthCare.gov website.
That’s a federal government portal that helps people find the cheapest, most comprehensive plan available to them.
You can also use the Marketplace, which is a website that sells plans across state lines.3.
Get quotesThe next step is to go to your local pharmacy or a health insurance agent.
Ask to see a quote and, if you’re in a state that requires you to show a medical certificate, get one.
If you’re not, your insurance company can help you get one from a different source.
You might want to get quotes for things like deductibles, co-pays and coinsurance, as well as a plan’s co-pay.4.
Get your quotesNow you’re ready to pay.
You may have to ask for a lower premium if you can find a plan that offers more coverage.
In most states, you can pay a discount if you have a medical condition that makes it more expensive to keep your health insurance.
You’ll probably want to go for one that’s cheaper than your state’s average premiums.5.
Read your policyFirst, look at the policies on the website.
You will want to look at a lot of them to see what they cover, like dental and vision coverage.
Then you’ll want to figure out what each plan covers.
Make note of the deductible and copayments and what your total out-of-pocket costs are.6.
Set aside a specific dateTo set aside specific dates to get coverage, it helps to set up an account with your employer or a government-sponsored health plan.
This will let you track the cost and your premiums over time.
You should also set aside a few weeks each year for yourself or a family member to get health insurance if they have a preexisting condition.
If not, you’ll need to find another way to pay for health insurance that works for you.
If you have an employer, it’s usually easiest to set a calendar reminder for a particular day so that you have enough time to buy your insurance and get a quote.
If your insurance isn’t available for that day, you may need to start making plans in advance.7.
Get an affordable planNext, make sure you’re getting a plan with enough coverage to cover the cost of your care.
You’re not getting the best coverage in the market right now, but it may be cheaper than what you’re seeing now.
This can be because your doctor or a hospital may not offer enough care or you’re using a different plan than your employer.
Your employer may be more expensive than the plans you might have at home.
Make an appointment with your health insurer to find out what the cheapest plan is for you in your area.8.
Get a quoteYou may not need a full health plan, but a quote from a company can save you money.
Your insurer might be able to help you figure out the price and deductibles for your health plan and can set a limit on how much of your monthly premium you can deduct for certain conditions.