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Considerations When Choosing an Individual Health Insurance Plan

Although many employees are able to get insurance from their employers at a discounted group rate, others may not have the option available to them. Whether they don’t meet the hourly requirements to be included in an insurance group, or they are an independent contractor, some individuals are responsible for finding their own insurance plans. Individual health insurance quotes are available to help people make the best choice when it comes to choosing a health insurance plan for themselves and/or their family.

When selecting an individual insurance plan, be sure to look at the cost of your monthly premiums, deductible, and out-of-pocket expenses. Does the plan cover all of your family’s health care needs? Maybe you want to determine whether or not your specific doctors are included within the plan. Prescription coverage is another important consideration. All of these details are essential before obtaining individual health insurance quotes.

You may want to see if there is a Health Savings Account (HSA) available with the plan. The HSA allows you to spend your tax- deductible account contributions on certain medical expenses, such as prescriptions, copays, and other qualified expenses that aren’t covered by your plan. An added bonus is that you can also spend HSA funds on dental and vision care expenses. Any unused funds at the end of the year will then roll over to the next calendar year.

By obtaining quotes from available insurance companies, you can find the most affordable individual insurance plan that meets the health care needs for you and your family.