Anne Osmer Reporting
Most people have health insurance through their job, a spouse’s job, Medicare or other group health insurance. If you find yourself without, however – because of a job loss or other reason – it’s time to shop around for individual health insurance. (Note: Individual health insurance is not just for individuals. You can purchase an individual policy for a family as well.)
- What do expect from your health insurance plan? Is the plan just for you, or for your entire family? Do you tend to go to the doctor frequently, or not at all?
- Is cost or flexibility more important to you? How important is it to you to choose your own primary care doctor? Your specialists?
- How much can you afford to spend on health insurance? Starting with a realistic budget might narrow your options. Humana and advocacy group Consumer Action have teamed up to provide a health budgeting tool called Family Health Budget to help consumers.
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