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How To Buy Health Insurance

Edward Neeman Published: June 14, 2018 Updated: February 05, 2019

Stethoscope health insurance card

Health insurance is a precious commodity, but with so many options and small details, starting your health insurance search can be intimidating. Instead of fretting, you can follow a few steps to get on the right track. Check them out below to better understand how to buy health insurance.


Determine What You Need

Not all health insurance plans are made the same. When you shop health insurance without understanding your needs, you are already putting yourself at a disadvantage. What are your finances like? Do you have any pre-existing conditions? Are you moving in the near future? These are all important questions you need to ask yourself. 

Let’s take a look at someone who has an extensive medical history, including asthma as a pre-existing condition. While the options that come with a lower monthly premium may sound enticing, this plan may come with higher out-of-pocket costs which could be more expensive in the long run. Once you’ve established your needs, it’s time to take the next step.


Research Your Options

Whether you’re interested in subsidized health insurance plans through the marketplace, private coverage, or specialty health coverage, you have to weigh the pros and cons for each plan available to you. 

The Internet is a useful place to start your search, and there are a multitude of sites that help you with your research. With extensive reviews of health insurance companies, free subsidy and penalty calculators, and the ability to compare hundreds of health insurance quotes instantly, First Quote Health is a great place to start.

Make sure to do your homework, because the more health insurance quotes you get, the better chance you have of finding a health plan that is just right.


Consult and Get Quotes

Talking to a health insurance agent or health insurance broker is another great way to navigate through the seemingly endless options, as they’ll take your concerns and help you shop health insurance for the best policy. Health agents and brokers are veterans when it comes to the world of health insurance, and often know of financial assistance programs and loopholes you may not be aware of. Most are also free to work with, so take advantage of all your resources.

Agents and brokers also have experience when it comes to working with health insurance companies. They will handle all the tedious paperwork for you, making sure that everything is filled out and submitted correctly. 



When you find the right program with the right costs, it’s time to make a purchase! You can feel good knowing you’ll be covered whether it’s an emergency or routine checkup. Remember, you still need to stay on top of your finances to know if your medical or financial situations are changing. It’s also a good idea to keep in touch with your agent or broker, because they will update you when changes are coming to your policy.

While there is a lot to understand and study before you invest in your health, getting insurance doesn’t need to be an overly complicated process. Take your time, weigh your options, and determine which policy will benefit you and your family the best. Once you’re enrolled, the hard work is done. If you’re ready to take control of your health today, simply fill out your zip code here and start your search!