HMO plans can be better for small things, although many PPO plans do cover them also. The higher the deductible, the cheaper the policy. Most companies consider your overall condition when issuing a policy. If you are overweight, pregnant, or taking continuos medications let your agent or company know. You would be directed to the company that better fits your particular needs.
Most companies take clients with pre-existing conditions, on a case by case bases.
Using an agent doesn't cost you anything. Buying direct or not doesn't save you any money. So find a good and honest agent, he should be able to help you choose the best plan to suit your personal needs. Remember that every health care plan has exclusions and limitations, your agent can help you understand them. Please, fill the information required by the questionnaire, free of compromise.