come with open enrollment for individual health insurance, many Americans are re-assessing their health needs or health insurance for the first time to buy. The consumers who are most affected by this are uninsured individuals or employees who buy their own health insurance. With a shortened open enrollment season this year, it is important that the consumer the right insurance are the selection and planning for them. Here are five tips for the best health insurance company to find.
1. Work with a Health Insurance Broker
While the individual health insurance marketplaces have an easier time health insurance compare options, many consumers are not comfortable a plan for their own choices. A licensed insurance broker can be very helpful to educate consumers about the different health insurance plans and options.
In addition to helping consumers break the health literacy barrier, they can help, whether their customers are eligible for premium tax credits and cost-sharing subsidies in determining.
2. Select the right coverage for your healthcare needs
In the past, it was difficult to understand the levels of coverage of the plans. This is no longer the case. From 2014, the reporting individual health insurance plans are categorized into four standardized levels, the so-called "metallic levels of coverage." help these categories, the consumer better plans "apples to apples." Compare To save money, it is important for consumers to choose the right metallic plane for their health and financial needs. 
When a consumer a lot of medical benefits factored in, it is ideal to select a Platinum or Gold Plan. Although premiums higher, there is less out-of-pocket, when it comes, to obtain medical care. If a consumer does not expect much healthcare needs, with a silver or bronze plan choices is ideal to save money. Although it will be higher out-of-pocket costs when medical services are needed, the premium is significantly lower.
3. Choose the right plan type
There are various types of plans offered by different insurance companies. offer In other words, they are constructed in different ways to different advantages for the consumer. For example, HMOs consumers fit with a primary care provider who is then responsible for all references while PPOs offer more options by covering out-of-netowork care. See: four common types of Health Insurance Plans.
4. Look at the list of in-network providers
This is particularly important if a consumer has a preferred doctor or medical center. To check whether a particular doctor "in-network", the consumer can check with their doctor's office to see if they take a certain health insurance. Alternatively, the insurance company should have a list of in-network operator on request.
5. Make sure there are Great Customer Service
If the decision comes down to a couple of different health insurance companies, a big deciding factor is to assess its website and customer service departments. Some insurers offer 24-hour support, while others offer online bill pay. Before enrolling in a plan health insurance, it is crucial for consumers sure to check and make sure that their company of choice provides great customer service.
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