- 1). Go online to compare health insurance companies. There is an extensive array of health insurance carriers who offer different packages with varying premiums. More often than not, individual coverage will be far less than family coverage. Visit eHealthInsurance.com for a quick and easy way to compare the monthly premiums and co-pays of many different health insurance carriers. Also visit healthinsurance.org for a state guide to health insurance. This site gives lots of helpful facts that will aid you in deciding which insurance plan to purchase.
- 2). Consult a human resources representative at your place of employment. They can give more information such as the cost or premiums, the percentage of co-pays, and any other benefits such as health savings accounts. Do not hesitate to ask to speak with another representative if he or she does not answer all of the questions in detail.
- 3). Search the yellow pages for any local health insurance provders. A face-to-face meeting can be arranged, which will allow for an uninterrupted question-and-answer session. That can be more informative than a rushed telephone call.
- 4). Speak with family and friends about their coverage. Be sure to ask if they are pleased with what they pay for or if they would suggest another company. Ask if they have encountered any unpleasant experiences and if they mind sharing them. Family and friends are a great way to get truthful information without the pressure of making a sale.
- 5). Compare rates. After conducting an extensive amount of research, one will be well educated about health insurance, and should the decision to purchase a monthly plan be made, it can be done with no regrets or worries.
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