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Frequently Asked Questions about Health Insurance Rates​



• Here are the answers to the most commonly asked questions about Health insurance rates.

• Who should buy individual health insurance?

• What kinds of health insurance plan can I choose?

• What will my deductible be?

• How can I lower my monthly premium?

• When should I consider a Health Savings Account (HSA)?

• Which health insurance plan is right for me?

• How can I insure just my child?


Who should buy individual health insurance?
Anybody who does not have insurance. This may be for several reasons:
Self-employed
People work for a small business that does not provide a health plan
Those who did not obtain individual health insurance.

What kinds of health insurance plan can I choose?
There are plenty of individual health insurance plans to choose from. Here are the most common types:
HMOs (Health Maintenance Organization). HMOs are one of the most affordable health plans available - and they offer comprehensive coverage. HMOs create networks of doctors, hospitals, clinics, specialists, and other care providers. Most HMO networks consist of thousands of health care professionals, ensuring you'll have convenient access to medical care when you need it.
PPOs (Preferred Provider Organization). PPOs are affordable individual health insurance plans with an added benefit - you'll have coverage with any health care provider. That means you can see any doctor or specialist you want, and your plan will cover the care. PPOs are great for flexible, comprehensive, and affordable health care.
Health Savings Account (HSA) Plans. There are 2 parts to HSA coverage: a high-deductible plan and a Health Savings Account. The high-deductible plan provides catastrophic coverage and features low monthly premiums. The HSA is a tax-free savings account where you save money to pay for routine medical expenses.

What will my deductible be?
Whether the insurance is individual or group, the amount of the deductible is determined at the time the policy is written and is decided by the person, group or business which sets up the health plan. You will also have out-of-pocket expenses besides the deductible mentioned above. These include the percentage of fees your plan does not pay and any uncovered medical services not included in your insurance policy.

How can I lower my monthly premium?
Move to a higher deductible plan. If you are a young, healthy individual who doesn't anticipate any major health problems, you may want to switch to a higher deductible. Your premium will become significantly lower! However, if you are certain of high medical expenses, then the opposite would apply. You may want to switch to a plan with both a lowest possible deductible and lowest out-of-pocket expenses.

When should I consider a Health Savings Account (HSA)?
Health Savings Accounts (HSAs) are becoming increasingly popular due to their flexibility and immediate tax savings. This plan is suitable for people who seldom need medical care but would like to prepare for any catastrophic ailments or injuries.

Who is eligible for Health Savings Account?
Not entitled to benefits under Medicare
Be covered under a high deductible health plan
May not be covered under any health plan that is not a high deductible health plan
Not be claimed as a dependent on another person's tax return

What are the advantages?
Contributions to the account are tax deductible
Amounts in an HSA belong to the individual and are fully portable
Amounts in an HSA earn tax-free interest
Unused amounts in the account at year-end remain available for future years
Distributions are not taxed if used for qualifying medical expenses

Which health insurance plan is right for me?
As you look for an individual plan, you might be asking yourself: What plan is right for me? Which plan do people like me choose?
If you're a person who is in good health, you might want to consider a high-deductible PPO that's compatible with a Health Savings Account. This option is best for people who seldom visit the doctor, and are looking for major medical coverage.
If you'd rather have more comprehensive individual health insurance coverage, such as preventive care coverage, consider a PPO or HMO plan with a lower deductible. You might not be able to use an HSA, but you'll have coverage for routine doctor's office visits and other preventive care. Typically, you'll pay between $10 and $40 for a doctor's office copayment depending on your plan. With this type of plan, you'll also have major medical coverage.
Even if neither suggestion seems right for you, there are plenty of other options to choose from. What's the best way to find out which individual health insurance plan is right for you? Get free quotes and get expert advice from a professional agent.

How can I insure just my child?
When getting quotes for your child(ren) only, enter the child's gender and birth date in the "Applicant" or first row. Additional children should be entered below in the "Child" rows, but not the "Spouse" row.
However, many health insurance companies require one policy per child. So if you have more than one child, try entering just one child to see a larger selection of plans and prices. Feel free to apply for each child separately.