How To Buy Personal Health Insurance -

Buying directly from a company (like BlueCross or Kaiser). 3. Understand the "Metal" Levels

A 60-day window triggered by "Life Events" (marriage, losing a job, having a baby, or moving). 2. Where to Shop Depending on your situation, you have three main avenues: how to buy personal health insurance

Highest monthly premium; very low costs when you get care. Best if you have chronic conditions. 4. Check the Network Before you hit "buy," verify two things: Your Doctors: Are your preferred physicians in-network? Buying directly from a company (like BlueCross or Kaiser)

Plans are grouped by how you and the insurer share costs. They have to do with quality of care: Do the Math

Do you have a or medication you can't live without?

Check the "formulary" (drug list) to see if your prescriptions are covered. 5. Do the Math