Anyone who’s ever shopped for health insurance on their own knows how confusing the system can be, especially when you’re faced with an intimidating range of options. While the state and federal marketplaces do help you compare policies side by side, many people still find themselves overwhelmed or unable to find affordable coverage. Below are a few tips for getting the right policy for you at the best possible price.

4 Tips for Buying Health Insurance

1. Find Out Whether Your State Has a Marketplace

Several states operate their own online marketplaces where those without coverage can shop for health care coverage. North Carolina and most other states, however, use the federal marketplace, which includes some additional helpful features.

2. Understand the Terminology

Many people simply choose a health insurance policy based on the monthly premiums, but the actual cost depends on several other factors, such as copays and deductibles. The former dictates what you pay per office visit, while the latter is the amount you must pay out of pocket before your policy begins to foot the bill. Knowing these industry terms before choosing a policy may help you save money in the long run.

3. Talk to an Insurance Agent

The marketplace is a valuable resource, but there might be other, more affordable options that aren’t included in the exchange. An independent insurance agent will compare policies from a broad range of carriers, walk you through the options, and help you make the right choice. When it comes to something as important as your health, you should leave no stone unturned. 

4. Look Into the Network

The price of a policy isn’t the only variable to consider. You’ll also have to look at the provider options it includes. With most health insurance plans, staying within the network is usually less expensive, so find out who accepts an insurance policy before buying it. Generally, the larger the network is, the more choices you’ll have when choosing a doctor, specialist, or another health provider.
 

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Choosing a health insurance policy is one of the most important choices you can make for your personal and financial future, so let the experienced agents at IGO Insurance help you make the right decision. Established in 1970, this respected agency was purchased by the Robertsons in 2013 and continues to provide the same level of service to customers throughout North Carolina. To request a free insurance quote and schedule an appointment, visit their website or call their offices at (919) 782-1560.