If you are lucky enough to get health insurance from your boss, your options will be limited to the plans offered by your boss. If you are not protected by your work, you may be able to take health insurance at the group level through the organization or association you are in.
Or, visit the Obamacare health insurance market to see if you qualify for an award credit that will lower your premium costs. Even if you don't immediately qualify for credit, you can qualify for that by buying health insurance through the market when you send your SPT for that year.

If you cannot or do not want to take health insurance from these sources, you will need to buy a personal rate again. This gives you the widest variety of choices, but may be far more expensive.

Decide what type of policy you want to buy

Health insurance policies are in several basic types, although you may not be able to access all of these options through the source of your choice. Healthcare Support Organizations (HMOs) are a form of health insurance that is widely used. At HMOs, you should contact a health care provider on the insurance network and you should seek referrals from your doctor to see a specialist.

Choice provider organizations (CVT) are also common. PPO health insurance has a network, but you are not limited to the network - although using a network provider is cheaper - and you don't need a referral to meet a specialist.

Exclusive Supplier Organization (EPO) is a mixture of HMOs and PPOs. You must still use the Network Plan, but you do not need recommendations for specialists. Finally, the Point Service Plan (POS) is a less common option that basically opposes EPO. You are not limited to the POS packet network, but you need to refer to a specialist.

Of the four types of general plans, HMO or EPO is cheaper than PPO or POS for the same coverage. However, if there is insufficient coverage in your area or you cannot limit yourself to a network provider, it might be worth paying a little more for a CVT or POS policy.

Further: beware buyers: According to one study, long-term maintenance costs

Further: Obamacare's explanatory efforts are dead for now. What does it mean if you are an Obamacare user?

Further: Trump says he will negotiate with Democrats about health plans

High deduction for low amount of deduction

In other similar conditions, the higher the number of package deductions, the lower the monthly premium. A high reduction means that you have to pay a lot of medical expenses before the insurance policy is completed. However, if you have little or no medical expenses in a given year, this plan can be useful. Very low medical costs mean you may not exceed deduction, even with low deductibles. So, if you receive a high reduction, your insurance costs will be kept as low as possible and you will be a disaster if there is damage.

If you choose a route that is highly deductible, the best option is to get a profitable Health Savings Account (HSA) package and funding that is at least equal to the annual deductible. The HSA package correctly covers the biggest weakness in health insurance with high deductibles - you have to pay a large portion of money for medical bills before insurance takes over insurance. If you have full annual deductions in HSA, you can easily use that money to finance your share of costs while taking advantage of HSA double tax benefits.
Further: Follow US Today and Facebook Money

Compare cover

There are two main factors that influence how well a plan covers your medical costs: Plan a network and coverage guidelines. Even if you choose packages with non-network-based options such as PPO, it's still better to use as many health care providers as possible on the Internet, because this lowers your costs. And the rules that make health insurance decide what is covered and what isn't - and how much they pay together can make a big difference in how useful the policy is for you.

For example, if you take medication that is quite expensive every day, you would want to take health insurance that includes this medicine in its form. If you travel frequently, obey a plan that offers good care outside the area. And if you already have a family doctor, you must definitely choose a plan that involves your doctor on your network.

Find the best deal

If you are caught between two or three different rules and cannot decide who will vote, try this exercise. Multiply the monthly premium by 12 to get your annual package fee, and then add the maximum to the pocket package. As a result, you will spend most of your health care if you have one or more major medical expenses for a year. Perform this calculation for each package that you display, and then compare the results. The cheapest fare is probably the best offer for you.