- 1). Check to see if you qualify for a health insurance plan through your work. This is a group plan, and will offer the best rates if you have pre-existing conditions. Additionally, your employer may pick up some of the costs associated with the plan.
- 2). Obtain quotes for independent health insurance plans from a local insurance agent or online. When looking at individual plans, compare co-payments, deductibles and coinsurance amounts. These are the percentages you have to pay to have procedures done, as well as the out-of-pocket maximum.
- 3). Look at any plans you qualify for if you are a student. Most colleges offer a very basic health insurance plan for students to purchase. They also allow you to add family members to the plan for an extra cost.
- 4). Consider getting high deductible health insurance if you are healthy. This health insurance has a deductible over $1000.00, but will completely cover any expenses once you reach the deductible. You can open a Health Savings Account (HSA) with this plan that allows you to save for medical expenses tax free.
- 5). Apply for Medicaid or Medicare if you meet the income limits for your state. This insurance is usually free, though you may have an enrollment fee and small co-payments for some government insurance plans.
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