6 Key Tips to Get Best Health Insurance Quotes

Okay! You have been overdosed with umpteen reasons as to why you should buy health insurance coverage for yourself and your family. Everywhere that you go- your friends house, a party thrown by your workplace guys, your parents, you are bombarded with questions on why you haven’t got yourself a health coverage. Flummoxed with your current insecure health care coverage status, you have decided to get yourself enrolled. What next!?

You will need to identify health insurers and brokers in your area to get quotes on health insurance. You will also need to know how you can qualify for cost assistance in the health insurance marketplace. The 6 tips mentioned below will help you gather the best health insurance quotes for you and your family:

1. The first primary requirement for you is to find quotes that tell you minimum coverage essential for you. You also need to find out about short term health insurance plans. This will be a smart way for you to understand what coverage you will receive. However, it won’t let you stay away from being insured or paying for your health coverage.


2. While open enrollment is on, you can get your quotes. You wish to get minimum essential health coverage quotes, you have to wait exclusively for open enrollment (for 2017, it begins from November 1, 2016 to January 31, 2017). You need to remember this every year so that you can change plans according to your requirements.


3. Every insurance option or cost sharing that you are looking for, primarily depends on Federal Poverty Level (FPL) and Modified Adjusted Gross Income (MAGI). You should be aware of these two conditions before you get down on comparing your quotes.


4. The best way of getting the best health insurance plan is to compare as many quotes as possible. The apt place to find all insurers conglomerated is your exchange (better known as health insurance marketplace). The exchange is one place that will get you cost sharing under you Patient Protection Affordable Care Act (PPACA).


5. There are certain criteria under which you may even apply from outside of the exchange. Insurance agents and brokers who actually operate out of the exchange can show you which plans can be opted outside the health insurance marketplace. However, it is really a smart move on your side to understand the exchange well. This will ensure you get local help over the phone either from an insurer directly or through a third party broker.


6. If you or someone in the family have access to affordable plan through the employer, you must remember that there will be no cost sharing in your case. However, you should know that an employer-based health insurance plan is always the cheapest of all plans, simply because your employer makes the maximum contribution.

So, with these tips in your hand, you can now confidently walk into any health insurance agency and look for the most affordable health care coverage for you. A little bit of homework can get you in running a long journey smoothly, especially when that journey concerns spending a lot of money just to ensure you are in good health.