Learn Ways to Get Affordable Health Insurance Quotes

Statistics show that married couples have a financial advantage over singles when it comes to paying lower taxes. In the area of auto insurance, they also tend to have lower premiums than singles if their driving record is good, because they're considered to be a lower risk.

When it comes to individual health insurance, singles don't need to feel pressured to walk down the aisle in order to get affordable health insurance. Just one example is: if your employer offers health insurance, your premiums will be less than if you were married and needed to add your spouse to your plan.

By equipping yourself with some key information on the different types of plans, you can shop with confidence for health insurance quotes that meet your lifestyle needs and your budget.

Whether your employer does or doesn't offer health insurance, or if you are self-employed, you'll want to know about these two types of health insurance coverage:

Indemnity (fee-for-service): If you have been going to the same doctor for years and want that to continue, this plan may be for you. It allows you to choose your own doctors and pays your medical expenses completely or in part, or up to a certain amount per day for a certain number of days. But you may pay more for this level of flexibility, because this plan will typically have a higher premium than Managed Care.

Managed Care: If you want to keep your expenses down, these plans may offer a lower premium since they involve arrangements between the insurer and the selected network of doctors, hospitals and other health care providers. Managed Care insurance includes health maintenance organizations (HMOs), preferred provider organizations (PPOs), and point of service (POS).

Equipped with this basic information while asking about your premiums and co-payments, there are other questions you'll want to keep in mind:

If you choose to go with a Managed Care plan, ask how much you'll be reimbursed if for some reason you choose to use a doctor, hospital, laboratory or other medical providers outside of the insurance company's network.
What about coverage for a preexisting or chronic medical condition?
If you are currently taking prescriptions, will they be covered?
If you've been going to a chiropractor or have been using other alternative medical therapies, will those be covered?
Do you need to get pre-approval from the insurance company before you see a medical specialist?
When you've met your deductible, what percentage of medical expenses are reimbursed?

Also keep in mind that the better your health, the better your premium. Non-smokers have a lower premium advantage over those who smoke, and if you've lost those last 15 pounds, your new, slim body could put you into an insurance company's preferred status.

See how easy it is to find an affordable health insurance plan-get your free online health insurance quotes today!