How to Find Health Insurance for People Under 65
- 1). Check to see if you are eligible for insurance through your employer. If you are married, you may qualify to be on your spouse's plan. This option may have the best coverage for the least amount of money.
- 2). Look online for an independent health insurance plan. Look at specific health insurance companies or at a website that will compare several plans together. Get a quote for your insurance premium.
- 3). Contact a local independent health insurance agent to see what plans he has to offer. An agent can help you figure out the best coverage option for your current situation.
- 4). Choose a plan based on the coverage and premium amounts. The higher your co-payments and coinsurance amounts, the lower your cost for the monthly premium. If you are healthy, you can go with a plan that offers less coverage and a lower premium, but if you are not healthy, you may choose the more expensive premium with the better coverage.
- 5). Check if your current doctors are covered under the new health insurance policy. If they are not, decide if you are willing to switch doctors. If you are not, then you will need to choose a different plan. If you are, try to find a new doctor now, so you will not be scrambling when you do become ill.