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7 Key Tips for Comparing Health Insurance Plans

comparing health insurance plans

Having health insurance has been an important topic over the last few years. However, the CDC states there are 32.8 million people under the age of 65 that are uninsured.

Many claim that they can’t afford their premiums or they can’t find an affordable health insurance option with low deductibles.

While that may be the case, many shoppers likely don’t know how to properly compare health insurance plans. And picking the wrong plan is more expensive than you think.

Will you be shopping for a new health insurance policy at the end of the year? If you need health insurance information, here are 7 tips to compare plans.

1. Out-of-Pocket Costs

Until you reach your deductible (we will cover this more later), you’ll have to pay a certain amount for doctor visits and various services. 

The policy for health insurance may give you a breakdown of the different out-of-pocket costs before you even sign up for the plan. This may include your cost for a GP or even for the emergency room.

It’s worth looking at the breakdown of costs that both plans offer. Choose the insurance company that offers the lowest costs.

What if a health insurance plan doesn’t offer a breakdown of these costs? You can take a look at what they do and don’t cover. From here, search the average costs of these services. While it won’t be as accurate, this will still give you insight into what you might have to pay.

2. Coverage Limits

All health insurance policies have different coverage limits. This is important for many reasons. In the event that you suffer a catastrophic accident, you’ll know how much your insurance will cover.

Fortunately, the Affordable Care Act (ACA) prevented health insurance companies from limiting lifetime and yearly coverage expenses. This means that health insurance companies can’t set a dollar limit on how much they can spend.

However, there are plans that fall outside of the marketplace that may still have these restrictions. If you’re signing up for this type of health insurance, make sure you check the coverage limits and compare them to a marketplace plan.

3. Deductibles

When you meet your deductible, your health insurance provider will cover your medical costs that lie within your coverage. But what does this mean? A deductible is the amount of health care costs you pay before your insurance company starts to pay.

There are two different types of deductibles: low and high. Low deductible plans usually come with higher premiums (the amount you pay per month), but you reach your deductible quicker. High deductible plans have lower premiums, but it takes longer to reach your deductible.

Which option should you choose? It depends on your health and your preferences.

As a rule of thumb, if you have health conditions that require frequent treatments and doctor visits, you should choose a low deductible plan. But if you’re healthy and only go to the doctor for annual checkups, you can get away with a high deductible plan.

When comparing health insurance, it’s also worth comparing the deductible amount by the premium costs. If you can find a low deductible that also comes with a low premium, choose that health insurance.

4. Calculate Total Costs

As you can see, health insurance comes with more expenses than people think. That’s why it’s best to take the total costs of both health insurance plans and see which plan is truly cheaper.

These costs include more than the premiums — they include the copayments, deductibles, out-of-pocket costs, and coinsurance. You should also keep in mind that these costs vary by state and whether or not you get a subsidy.

Keep in mind, the best health insurance doesn’t exactly have the cheapest costs. This is especially important to consider if you have a health condition.

5. Doctors in Your Network

Not every doctor will accept your insurance. That’s why it’s best to search for the doctors that both insurance plans offer.

Some health insurance plans offer a search feature on their website where you can search for doctors in varying specialties. It’s not only worth it to search for doctors you want to visit but also to ensure that there are plenty of doctors in your area that accepts your insurance.

Unfortunately, many plans don’t let you search for doctors unless you’re a customer. That’s when it’s a good idea to call your doctor or others in your area to discover which insurance options they accept.

6. What the Insurance Actually Covers

The beginning of this article focused primarily on costs. While knowing you can afford the insurance is essential, it’s also a good idea to know what both plans actually cover.

Most plans will cover annual doctor appointments. But what about several appointments throughout the year? While most plans will cover hospital visits, it’s worth it to see if they cover urgent care visits. If you have to see a specialist, you’ll want to know if your insurance will cover those costs.

And don’t forget about prescriptions — you’ll want to know if the plan you’re choosing covers your prescriptions.

It’s also worth it to see if the plan covers other services such as x-rays, blood work, various medical procedures, and maternal services such as giving birth.

7. Check for Additional Services

Some health insurance companies also include additional services. These include drug rehabilitation, mental health, chiropractic care, hospice, home nursing care, and even alternative and/or experimental treatments.

Even if you don’t think you’ll need these services, they’re worth looking into. They serve as options in case you need additional care or want to try other forms of healthcare. These additional services may be the deciding factor in which insurance you choose.

Search for Health Insurance Plans Today

How do you find these health insurance plans? The best first place to start is with a search. We make it easy to find and compare plans in your state.

Don’t be left without health insurance. To find your next health insurance plan, all you need to get started is a zip code. You can get a quote today! We look forward to hearing from you.

QuoteLab, LLC
700 S. Flower St., Suite 640,
Los Angeles, CA 90017 is operated by Quotelab, LLC, which is an independent broker and is not a federal or state Marketplace website. This website is owned and operated by QuoteLab, LLC, a licensed insurance agency, NPN #19911386. Invitations for application for health insurance on QuoteLab, LLC, only where licensed and appointed. License numbers are available upon request and are provided where required by law. QuoteLab's license information can be found at

Federal Contracting Statement: Plans are insured or covered by a Medicare Advantage organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare.

TPMO Disclaimer: We do not offer every plan available in your area. Currently we represent [73] organizations which offer [5110] products in your area. Please contact or 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Please note that these numbers provided are not specific to your area but rather represent the number of organizations and the number of products available on a national basis. We will connect you with licensed insurance agents who can provide information about the number of organizations they represent and the number of products they offer in your service area.

Submitting this form does NOT affect your current enrollment, nor will it enroll you in a Medicare Advantage plan, Medicare Prescription Drug plan, Medicare Supplement Plan, or any other Medicare plan. QuoteLab, LLC is independent of the Medicare program and is neither associated with nor endorsed by The Centers for Medicare & Medicaid Services (CMS) or any other governmental agency.

The plans represented on are Medicare Advantage HMO, PPO and PFFS organizations and stand-alone prescription drug plans with a Medicare contract. Enrollment in any plan depends on contract renewal. If you are paying Medicare Part B premium, you must continue to pay it to maintain coverage.

Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.

Every year, Medicare evaluates plans based on a 5-star rating system.

Part B Premium give-back is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.

Based on median Medicare Advantage benefit amounts for dental available across multiple plans and metro areas. Not all benefits available in specific plans or regions.

This information is not a complete description of benefits. Contact the plan for more information.

Limitations, copayments, and restrictions may apply.

[Benefits, premiums and/or copayments/coinsurance] may change on January 1 of each year.

Enrollment in a plan may be limited to certain times of the year unless you qualify for a special [election/enrollment] period or you are in your Medicare Initial Election Period.

Advertised Pricing:

There are several factors that impact your monthly premium; including your age, geographical location, annual income, dependents, and the type of plan you choose. Monthly premiums do not include out-of-pocket costs. is operated by QuoteLab, LLC, which is an independent broker and is not a federal or state insurance Marketplace or other website. It does not provide access to any federal or state marketplace or exchange. This website is owned and operated by QuoteLab, LLC, a licensed insurance agency, NPN #19911386. Invitations for application for health insurance are made through QuoteLab, LLC, only where licensed and appointed. License numbers are available upon request and are provided where required by law. QuoteLab's license information can be found at

This website does not provide information about specific health plans, or enable visitors to obtain insurance quotes, on this website. However, if you provide your information and consent, we will transfer your information to insurance carriers and brokers that may contact you to offer Affordable Care Act (ACA) plans, short-term plans, medical indemnity plans and/or healthcare sharing ministry plans, and we will receive compensation for such transfer. The advertisements appearing on this website are placed by clients from which QuoteLab, LLC receives compensation, and such compensation may impact whether such advertisements appear on this website and the order in which they appear. is required to comply with all applicable federal law, including the standards established under 45 CFR 155.220(c) and (d) and standards established under 45 CFR 155.260 to protect the privacy and security of personally identifiable information. This website does not provide a complete listing of, or display all data on all Qualified Health Plans being offered in your state or service area through the Marketplace website or the federal Medicare program. To see all available data on Qualified Health Plan options in your state, visit your state Marketplace website, go to the Health Insurance Marketplace website at

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