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Individual Health Insurance For Dummies Question & Answers

2014 April 28
by Sarah Fields

Nancy asks…

Ist it better to get a low co-pay high deductible plan or a high copay low deductible plan?

I’m single. No kids. No dependents. I rarely visit the doctor’s office for anything. And I’m 26.

Sarah Fields answers:

A high deductible health insurance plan might be a good fit for you. Just be sure that you can afford the deductible if the worst happened and you got seriously ill or injured.

The good news is that high-deductible plans are a better deal than they used to be. The health reform law has strengthened preventive care coverage for all health insurance plans. Even plans with higher deductibles will typically allow you access to a variety of preventive medical services without having to pay your deductible first.

For some more advice and tips on buying health insurance on your own, check out the book we published, Individual Health Insurance For Dummies. You can download an electronic copy or give us your address and we’ll mail you a copy for free:

http://guide.ehealthinsurance.com/

Hope that helps.

Donald asks…

what’s the right/good health insurance for me?

i just separated from the military.and i want to get a new health insurance.dont know whats the good one.pls help.thanks in advance.

Sarah Fields answers:

Picking the right insurance plan is pretty personal since there are so many plans to choose from and what makes a good plan for one person doesn’t necessarily make a good plan for the next. It’s pretty easy to look into your options, however.

Start by working with a licensed agent online or in your area. It doesn’t cost extra and it can help you gather a bunch of quotes for different plans from different insurers all at once. Then you can start comparing your options to see which ones might meet your needs best. A licensed agent can walk you through your options in person or by phone too.

Among other things, you’ll want to think about how much you can afford in monthly premiums, deductibles, and copayments. You’ll also want to think about the kinds of medical benefits you value most and which ones you think you’re likely (or unlikely) to use.

If you’re new to buying coverage on your own, check out the health insurance buyer’s guide we published online here:

http://www.ehealthinsurance.com/individual-health-insurance/resources/buyers-guide

If you want to go more in-depth, you can also request a free copy of our book, ‘Individual Health Insurance For Dummies.’ It’s available free of charge in either an electronic or print format:

http://guide.ehealthinsurance.com/

Best wishes.

Helen asks…

how do I reduce the cost of health insurance I am now paying 600 dollars a month for my wife and I?

Sarah Fields answers:

Are you getting your coverage through an employer, or through a plan purchased on your own? If it’s through an employer and they offer more than one plan to choose from, you may be able to switch to a more affordable plan when open enrollment comes around. Ask your HR department.

If you’re asking about individually-purchased coverage, you need to compare your options to see if there’s something more affordable in your area. Work with a licensed agent online or locally to get free quotes. It doesn’t cost anything extra to work with an agent. One representing multiple insurers in your area will be able to help you find out which plan best meets your needs and budget.

If you’re new to buying health insurance on your own, you might want to check out our new book ‘Individual Health Insurance For Dummies’ which we’ve made available for free online:

http://guide.ehealthinsurance.com/

Good luck!

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