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What coverage is right for me?

When searching for a health insurance policy, it is important to keep in mind two issues: your health status and your budget

Your health status

Beginning January 1, 2014, health insurance companies are no longer allowed to deny you health insurance just because you are sick or have a pre-existing condition. Even those who couldn't get health insurance before this date will be able to enroll in any health insurance plan in 2014. However, when choosing which health insurance plan is right for you, it is important to keep in mind how often you think you will need to visit the doctor and how many prescriptions you think you will need. This will help you determine whether you will need to buy a more expensive health insurance plan with less out-of-pocket costs, or a less expensive plan with higher out-of-pocket costs.

Your budget

All health insurance plans are required to cover the same basic services (like covering the cost of an ambulance or laboratory services), each plan will vary in costs based on how much the plan will pay towards those services. You will need to decide how much you can afford each month in premium costs and in annual out-of-pocket costs (should you need a lot of health care).

How do companies deteremine premiums

To determine how much your premiums for health insurance are, companies will use the following four factors:

  • How old you are.
  • Where you live (geographically).
  • Whether you use tobacco products.
  • Whether you are looking for coverage for only yourself or for your family.

No other factors can be used to determine how much to charge you for your health insurance, including your health condition or gender.

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