What Type Of Health Insurance Is Best For Me?

  1. 1450 POINTS
    Fred Adams
    The HSA Expert, Health Revival, Athens, GA
    Like all type of insurance, there is no single health plan that be considered "best" for everyone. To determine the best plan for your personal situation, I suggest speaking with a licensed insurance agent, one who represents many companies in your area. That is the only way to ensure you receive honest, expert advice, based on your personal needs. If you are someone that rarely utilizes medical care, you are more than likely going to be best served by a high deductible, low cost policy. Conversely, if you do regularly use medical services, or expect large medical bills in the upcoming year, then you need to find a policy with the most benefits, at the lowest cost possible. This can prove challenge for someone that does not deal with insurance on a daily basis. Your best alternative is to find an independent agent that represents all the companies available in your area, and seek their guidance on determining which plan will ultimately cost you the least, considering both the premium and your expected medical bills.
    Answered on September 5, 2014
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