GoHealthInsurance: 10 Do's and Don'ts for Purchasing Health Insurance

CHICAGO, IL--(Marketwire - Jul 16, 2011) - When it comes to purchasing health insurance, there are a few things that consumers should consider when switching plans or buying health insurance for the first time.

Here are ten do's and don'ts for purchasing a plan:

1. Do compare health insurance quotes. There is no one-size-fits-all health plan, so find a policy that fits your budget and health care needs.

2. Don't purchase a policy with the highest deductible and lowest monthly premiums without a lot of consideration. The lower monthly payments may be tempting but if there is a serious illness or injury then meeting a really high deductible may be tough.

3. Do look for health insurance coverage that includes your preferred doctors and hospitals.

4. Don't buy a plan with a restricted network of providers if you prefer flexibility, travel a lot or have children away at school.

5. Do match high-deductible plans with Health Savings Accounts (HSA). HSAs offer tax-free savings and can be used to pay a deductible -- just make sure you can match the deductible in an emergency.

6. Do consider copayment and co-insurance rates. Co-insurance rates can get expensive for brand-name, specialty prescriptions and hospitals visits.

7. Do search for plans that include dental and vision coverage. Couples and women thinking about a family in the future should also consider maternity benefits.

8. Don't buy coverage without talking to a licensed agent. An agent will help you make decisions or inform you of benefit options.

9. Do compare health insurance companies before purchasing a plan. Some insurers may offer mobile applications, online payments, or coverage for gym memberships.

10. Don't buy a health insurance policy at the last minute. Once you apply for coverage there is an underwriting process that can take a couple months to be approved but it depends on the insurer.

Compare health plans at www.GoHealthInsurance.com or call 888-250-3409 to talk to a licensed agent.

About GoHealthInsurance
GoHealth.com is the most complete health plan comparison resource online and has helped more than 2 million Americans obtain coverage. Consumers use the GoHealth.com platform to research, compare, and purchase coverage from the nation's top insurance companies using online technology, by phone, and through a nationwide network of trusted advisors.