If you find yourself in the position of shopping for an individual
health insurance policy, there are certain things you'll want to
keep in mind. Whether you are coming out of a job that covered you
before, or are at the end of your COBRA benefits, or simply have
never had coverage before there are things you can do to get
coverage on yourself and your loved ones.
The basic thing to know is that if you have a shot a group health
insurance, whether through a job or an association you're a member
of, that is usually much more affordable than buying individual
health insurance on your own. First you need to figure out your
health insurance goals; in other words, what are you after? If
you're young, healthy as a horse, no dependents and not attempting
Mt. Everest next week, you may want to opt for a policy that covers
only the catastrophes, and cover the rest out-of-pocket. On the flip
side of that, if you're the sole bread winner with a family to
support, the scenario is different.
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