This can be a very difficult question. There are many different plan options available, and which one is best for an individual person is something that can be discussed for hours.
In general, PPOs are more expensive than equivalent HMOs, but you have more choices for which doctor to see. If you have a specific health condition, some plans provide additional benefits for that.
The best thing you can do is discus. Your choices with an independent broker. If you are getting your insurance through work, your HR department should be able to assist you.
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Comparing health insurance options the right way is critical, if you hope to maximize your federal subsidy (if eligible) and select the most cost-effective plan from multiple carriers. During Open Enrollment, of course, there are no medical questions and pre-existing conditions are covered.
The key is quite simple. Let an experienced broker help you find the best rates and the best coverage. You'll save time and money...and a lot of it!
LIVE answer provided by: Ed Harris - Premier health insurance broker for 33 years and owner of several top-rated healthcare websites.
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In general, PPOs are more expensive than equivalent HMOs, but you have more choices for which doctor to see. If you have a specific health condition, some plans provide additional benefits for that.
The best thing you can do is discus. Your choices with an independent broker. If you are getting your insurance through work, your HR department should be able to assist you.
The key is quite simple. Let an experienced broker help you find the best rates and the best coverage. You'll save time and money...and a lot of it!
LIVE answer provided by: Ed Harris - Premier health insurance broker for 33 years and owner of several top-rated healthcare websites.