Health insurance is one of those things that we feel we can't afford, yet in reality we can't afford to be without. Finding a good policy can be easier than you might think.
Employed people usually have access to group insurance as part of their benefits, but some people are not that fortunate. What do people that lose their jobs, or work for a small company without benefits do for health insurance? They have to bite the bullet, so to speak, and buy individual policies.
One way to find a great insurance policy that will fit your needs is by researching insurance companies online. There are many insurance brokers out there that have information on policies from several different carriers. With just a few clicks of a mouse you can compare information from all of the companies with ease.
One nice feature of most of the informational sites is that they have a sort option. If price is your main concern, you can sort by premium amount. If the size of the deductible is your deciding factor, then you can search by deductible. However you search, the information will be listed in order by large to small, or small to large.
Once you find a carrier that you are interested in you can contact an agent from the phone number they list. Sometimes you will have to leave a number and wait for a return call, and sometimes they actually offer live chat options.
Before calling the carrier, write down any questions you have about the information you just saw in their comparison. Doing this will help you when talking to the carrier representative. And remember, no question is a stupid question. These representatives realize that you do not work in the insurance field, and will be happy to answer all of your concerns.
Before agreeing to anything be sure you understand the main benefits, such as deductible, co-insurance, co-pays, and their prescription policies. Purchasing insurance online can save you time and money, so the next time you are in the market for health insurance, do your research online.