IMPORTANT - Health Plan Features to Consider
(this is just a few of the more important features to consider)

• Cost

• Deductible 

• Out-of-Pocket Limit (VERY IMPORTANT - You don't want to be without this!!) 

• Office Visit Co Pays 

• Prescription Drug Plan 

• Medical Expense Coverage (average insurance plan is 80/20 which means insurance pays 80% after deductible and you pay 20%)

How to Buy Health Insurance

Buying Individual Health Insurance Online is so easy.  It is is by far the easiest way to compare Health Insurance Plans and get the plan that is right for you.  You can compare features side by side as well as costs.  All you need to do  is fill out a short form online. You will instantly be provided with a list of health providers with detailed health plans and quotes.  No guessing as to what this is going to cost you.  It's all right there.

How to Select the Right Plan

First, consider your medical needs or your family's medical needs.  Do you frequent the doctors office?  If you do, you might consider a plan with office co-pays.  Do you use  prescription drugs on a regular basis?  There are many Medical Health Plans that include a prescription drug plan charging a small co-pay per prescription.  A prescription drug plan alone can be a huge savings and can end up paying for the cost of your insurance.  If you don't usually have these medical expenses, you might want to choose a health insurance plan without these features to lower your monthly premium.

The deductible is definitely something to consider.  You want to look for a health insurance plan that has the features you want with the lowest deductible.  MOST IMPORTANTLY...make sure that there is a Out-of-Pocket Limit (A Out-of-Pocket Limit is the most you will pay in a given year, which in some plans, include the deductible.)  This feature is probably the best that a health insurance plan can offer. 

Second, put the health plan features you need in the order of importance to you.  Cost of a medical health plan may be of importance to you, especially if you are unemployed.  If you are unemployed be sure explore more cost effective alternatives to cobra. Apply Online. (COBRA gives you the right to choose to temporarily keep the group health insurance benefits that you would otherwise lose after you reduce your working hours, quit your job, or lose your job.)  Although COBRA is often times a very good decision for some it may not be for others.  Getting an individual health insurance plan online may be just as good and a less costly choice.  There are many health plans available that don't cost an arm and a leg and yet they give you the coverage and protection you and your family deserve.

Third, compare health insurance plans online side by side and select a plan that best suits your needs.

Buy Individual Health Insurance now before it's too late. Protect you and your family's health.