With open enrollment for individual health insurance less than in two weeks now, crawl, many Americans their current (if available) to evaluate policy and thinking about how they introduced changes for 2015. the affordable Care Act make new changes that greatly benefit individuals and individual health insurance by making it cheaper and accessible than ever. Moreover, the health insurance market makes it easy to order rates for different carriers and coverage levels and compare.
While many people get on the monthly premium amount caught, be this might not be the best or most efficient way, a plan to choose this open enrollment. Lower premium rates accompany generally higher out-of-pocket costs; However, research has shown that there is a gap in health literacy for many Americans . Here is how look beyond the sticker price, to select the best plan for this open enrollment.
Select the right category of plan
In the past, it was difficult to understand the levels of coverage of the plans. This is no longer the case. From 2014 individual health insurance plans in four standardized coverage levels are categorized, the so-called " metallic levels of coverage ." These categories help you compare plans better 
Source "apples to apples". Affordable Care Act 101
to save money, it is important to choose the right metallic animal for your health and financial needs. If you are unsure what plan to choose, it is always a good idea to an insurance broker you talk with your selections to help.
If you expect a lot of medical services, it is ideal to select a Platinum or Gold plan. Although premiums higher, you pay less out-of-pocket, when it comes, to obtain medical care. If you do not recognize a lot of health needs, with a silver or bronze plan choices is ideal to save money. Although it will be higher out-of-pocket costs if you need medical services, you will pay a much lower premium.
Look at the deductible
Your deductible is the amount paid for covered care before the insurance company begins to pay. For example, a 500 to pay $ Out-of-pocket for covered services before the insurance pays; this would a $ 500 deductible.
high deductible health plans are more and more popular. While the appeal of a high deductible plan is the lower monthly premium, some consumers large bills are before your health insurance kicks in even collect at the end. If your employer an HSA or offers integrated HRA to reduce the load of a large deductible, then a high-deductible plan may actually work better for your financial needs.
While many lower-tiered bronze and silver plans have low monthly premium costs, they can be accompanied by high deductibles. As mentioned above, make sure your insurance is comprehensive enough to cover all your healthcare needs.
If you have health needs that require regular doctor visits, like a chronic disease or pregnancy, you may be better off a little more to pay monthly, rather than racking up large medical bills.
Look at the out-of-pocket costs
be The out-of-pocket costs as coinsurances and copays for certain services. The Zuzahlungs is paid a flat dollar amount for a covered service for healthcare providers. For example, a $ 30 Zuzahlungs can for each covered visit to a family doctor and $ 10 for each generic prescription filled necessary. vary to plan co-payments of plan and are sometimes different for each condition of the type of covered service.
co is the percentage of allowable charges for services. For example, the health insurance cover covered 70% of the cost of a hospital stay, so you are responsible for 30%. This 30% is known as co-insurance. If the plan has a deductible, co-insurance will pay for covered services after your deductible is met. Co-insurance can also significantly affect the price of the insurance premium. Typically, plans with lower co-insurance have higher premium costs
This is out-of-pocket costs have significant financial implications. If you know that you are on an expensive prescription that needs to be filled every month, pay close attention to the Summary of Benefits for plans that you are. If there is a high copay or coinsurance for recipes, even after the deductible, you may be better off with a different plan.
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