The best way to get a great health insurance plan at a great price is to comparison shop.  InsureMeOnline.com has that handled for you and is ready to offer up dozens of plans for you to consider at the touch of a button.  The next step, however, is a bit harder and requires you to know a little about the kinds of plans you’re looking at before you begin comparing them.
 
The first plans to catch your eye, for example, are likely to be the high-deductible health plans, or HDHPs.  The reason? They have by far the lowest premiums, and everyone wants to pay less.  But HDHPs aren’t for everyone.  These plans don’t pay on claims until a given deductible is met, and that deductible can be anywhere from $1,000 to $10,000, or even more.  People choosing HDHP plans must have the financial resources to pay that deductible amount out of pocket.  Families with young children, for example, rarely have the luxury to amass that much in savings. Young professionals, eager to get their lives up and running, often choose not to restrict themselves financially by setting large savings aside.  Still others simply don’t have the fiscal discipline.  All of these folks are likely to be happier with a health insurance policy featuring higher premiums and lower deductibles.
 
On the flip side, HDHPs are the ideal choice for a lot of people. Not only are the premiums lower, they provide policyholders with significant tax benefits by allowing them to set up Health Savings Accounts.  HDHP policyholders don’t have the fiscal incentive to “recoup their premiums” by going to the doctor every time they have a cold, so they often end up saving a substantial amount of money.  Some HDHPs even reimburse policyholders for preventive-care services, such as flu shots and immunizations.
 
Know What You Want, Then Compare Those Policies
 
Take the time to find out what kind of policy is right for you and your family. Our tutorial section has plenty of information on both high- and low-deductible policy types – plus COBRA, Temporary Health Insurance plans, HMOs, PPOs and many others.  When you get your free quotes, sort and filter your results so that you’re only considering the plan types you really want.  This will help ensure that you’re comparing apples to apples. InsureMeOnline.com’s advanced search and filter functions will make this process quick and easy.
 
Still not sure? Try running quotes multiple times, each time to look at a single plan type. You can also call us toll free and speak to one of our health insurance specialists.