ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

How To Buy Health Insurance For Yourself Or Your Family

Updated on September 18, 2012

Do You Feel Like This In The Morning?

Do You Feel Like This In The Morning?
Do You Feel Like This In The Morning? | Source

How To Buy Health Insurance

Not everyone has a job that provides health insurance. Figuring out how and what to buy on your own in terms of insurance can be confusing. Still, it is wise not to go without any health insurance at all. If you have a dire emergency or come down with a serious illness, costs could become unmanageable without insurance.

To save yourself time, money, and headaches, keep the following in mind when buying health insurance:

Terminology: Make sure you look up any terms you do not understand or ask a representative at the health insurance company to explain terms to you. A co-pay is how much you pay for prescriptions, office visits to doctors, and other covered expenses. A deductible is the total amount per year you pay out-of-pocket before the insurance covers costs at 100%.

Prioritize: If you are in your 20’s, you will not have the same needs as a person in his or her 60’s. If you plan to get pregnant, you will want more coverage than if you don’t. Issues like these are worth listing on paper before you go online to research plans. Do you need decent prices on prescriptions, office visits, physical therapy, behavioral therapy, etc.? Do you have a specific condition? How much can you afford to pay out-of-pocket per year? Consider the various types of coverage, premiums, and deductibles.

Compare various costs: Premiums are not the only costs to consider when buying health insurance. Consider the maximum amount you will have to pay out-of-pocket before the plan takes over 100% of the costs. Ask about deductibles, co-pays, prescription costs, co-insurance levels, etc.

Does Your Pet Get Better Health Care Than You?

Does Your Pet Get  Better Health Care  Than You?
Does Your Pet Get Better Health Care Than You? | Source

Remember customer service: Customer service often seems to have gone the way of the Dodo Bird nowadays. However, it is worth trying to find a company that at least offers reasonable customer service. You can check yourself by simply calling the company. Can you get through to a person, and how quickly? Do they answer all your questions, and courteously? Thanks to the internet, we can now access customer service ratings more quickly and easily than ever, and in greater amounts. Keep in mind that you want to be dealing with a reasonable company in case you have a denial of care or other dispute.

You (will) have rights: Now more than ever in terms of health care, we will have rights -- some of which we’ve never had before in America. The Affordable Care Act will be ushered in over time. For a guide to how it will work, check out the Consumer Reports guide.

Compare networks: Find out if you can keep your regular doctor if you buy a certain type of insurance. Some insurance plans require you to see only doctors and hospitals in their networks. Other plans offer different scales of how much they will pay for doctors and hospitals inside or outside their network.

Interview a broker: Keep in mind that brokers sometimes earn commissions from insurers, meaning they are paid to send you towards plans that benefit them, not you. Ask the broker up front how he or she is compensated. However, an honest broker might be able to break down the confusing details of the health insurance world to you. If you want to hire one, make sure they have credentials with the National Association of Insurance Commissioners ( or the National Association of Insurance Underwriters (

You are wise to take care of your health insurance needs before you come down with a dire need for care. Doing your research in advance will put you in good stead going forward.

How To Buy Health Insurance

Buying Affordable Health Insurance

How To Buy Individual Health Insurance


    0 of 8192 characters used
    Post Comment

    No comments yet.


    This website uses cookies

    As a user in the EEA, your approval is needed on a few things. To provide a better website experience, uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

    For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at:

    Show Details
    HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
    LoginThis is necessary to sign in to the HubPages Service.
    Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
    AkismetThis is used to detect comment spam. (Privacy Policy)
    HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
    HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
    Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
    CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
    Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the or domains, for performance and efficiency reasons. (Privacy Policy)
    Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
    Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
    Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
    Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
    Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
    VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
    PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
    Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
    MavenThis supports the Maven widget and search functionality. (Privacy Policy)
    Google AdSenseThis is an ad network. (Privacy Policy)
    Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
    Index ExchangeThis is an ad network. (Privacy Policy)
    SovrnThis is an ad network. (Privacy Policy)
    Facebook AdsThis is an ad network. (Privacy Policy)
    Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
    AppNexusThis is an ad network. (Privacy Policy)
    OpenxThis is an ad network. (Privacy Policy)
    Rubicon ProjectThis is an ad network. (Privacy Policy)
    TripleLiftThis is an ad network. (Privacy Policy)
    Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
    Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
    Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
    Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
    ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
    Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)