If you do not have health insurance through an employer, you will want to find the most affordable options available. Buying health insurance privately can be very expensive, especially if you need a comprehensive package. Purchasing health insurance online allows you to compare quotes as a way to save money, as well as potentially forgo certain brokerage fees. If you do buy health insurance online, make sure you read the fine print so that you fully understand the coverage.
Step 1
Compare quotes from different health insurance providers that service your area. Websites like eHealthInsurance (see Resources) can compile quotes from various carriers to help you compare plans and find affordable coverage.
Step 2
Review the requirements to obtain the health coverage. Before you buy a plan, you may have to meet certain requirements. Private health insurance providers can require medical examinations, as well as review your age and current health, to determine your premium rate. Although no medical exam plans is "simpler" to get over another, if you are young and in good health, you may save money by undergoing a medical exam first.
Step 3
Skip any unnecessary coverage that you won't need. To keep your plan affordable, opt out of pricey dental and vision coverage. You may also want to choose a plan that has a higher deducible or copay in lieu of paying a higher annual premium. On the health insurance quote website, you will see a breakdown of coverage inclusions and prices for each plan.
Step 4
Send in an online application for the plan that offers the most affordable rate. The insurance carrier websites have applications available, or you can apply directly from eHealthInsurance or similar sites. If your application is approved, you will be sent a contract to review. After signing the contract, you will set up a premium payment schedule and begin making monthly payments.
Tips and Warnings
- Make sure the website that you buy from has a customer support hotline, as well as current licensing from the state you reside in.
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