Shopping for individual health insurance always the most exciting thing - and 64% of people say that it filled a tooth, as always, to bankrate.com is so bad. As such, here are five ways that make for individual health insurance easier for you to help shopping.
What is Individual Health Insurance? 
Individual Health Insurance is a policy that you buy for you and your family from a licensed insurance agent health, is appointed to represent the insurance carrier, or by the health insurance marketplace in your state. It works just like car insurance.
5 ways to shopping for health insurance Easier
1) brush on Key Health Conditions
health conditions can be difficult, but if you these four key insurance terms to know below, you will be better than the decisions make you feel as you begin your health insurance options to explore.
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deductible: The deductible is the amount you must pay for covered services before you begin to pay your health insurance. Insurers apply and structure deductibles different. For example, under a plan, a comprehensive deductible for all services could apply, while another plan separate deductibles for covered services could have as prescription drug coverage.
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Copay: A copay is a flat dollar amount you pay your doctor for a covered service. For example, you can have a $ 30 copay for each covered visit to a GP, and $ 10 for each generic prescription filled. Copays vary from plan to plan and are sometimes different depending on the type of covered service you get.
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Coinsurance: Coinsurance is the percentage of allowable charges for covered services, you are obliged to pay. For example, your health insurance may cover 70% of costs covered for hospitalization, so that you are responsible for 30%. This 30% is known as the co-insurance. If the plan has a deductible, you usually pay the coinsurance for covered services after the deductible is met.
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Out-of-pocket limit / Out-of-pocket maximum: An out-of-pocket maximum is the maximum amount of money that you covered for pay services during a benefit period (for example, in the course of a year). The out-of-pocket maximum never includes your premium, provided balance charging fees or services your health insurance does not cover. Plan the out-of-pocket maximum of plan vary, but can co-payments, deductibles and co-insurance. Once you have the full amount toward your out-of-pocket maximum paid, your insurance is 100% of the allowable amount for your covered health care costs to pay.
2) Understand the ranks of Coverage
Now that you have a basic knowledge of the main health insurance conditions, it is helpful , understand that there are four metal planes of coverage, including bronze, silver, gold and platinum. The metallic layers to compare plans to help "apples to apples". As below, as the metal category increases in value takes to see also the percentage of medical expenses that a health plan to cover.
know and understand the different levels of cover allows you to know what is best for your lifestyle and situation, and what is affordable to your budget.
3) Use Premium Tax Credits
What are award credits control? Premium tax credits to help lower the cost of health insurance for those who entitled . The rebates for reporting available your national health insurance marketplaces acquired by ( see in this market Directory ). The premium tax credits are also health insurance called tax subsidies.
4) know where they
Now that you have a pretty good understanding of what you are looking for, it is important for go the individual health insurance to know where. Instead feel overwhelmed with the many places you can go, knowing that it is actually quite simple. You can sort of national health insurance marketplace, buying through a broker or go buy directly from an insurance carrier.
health insurance market your state allows you to Health Plan benefits, networks, costs and long reach of competing suppliers and can be done on your own time. However, some people choose to go through a broker, because they understand the market and can help you to see what options may be best for you. Finally, you can put directly an insurance company in connection. This reduces out the middle man, but you will not with other airlines in this way can easily compare.
5) Ask for help
Finally, do not be afraid to ask someone for help. Whether it's your first time to buy individual health insurance, or you want to change to a new plan, to ask for help. You may be aware that someone feels out in the individual health insurance that can help you, but if not, you can, at any time at H ealthCare.gov , or a broker for certain questions you may have.
What suggestions do you have to make it easier to shop for health insurance? Join our discussion and comment below.
Poll: bankrate.com
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