Don't hesitate to ask questions. For example, if you want maternity coverage but none of the policies you are shown include it, you should ask for a policy that does. Who you buy from is less important than making sure the benefits and the services you are purchasing fit you and your needs. But the difference between the three types of companies may be important to you. Coverage by HMOs or HCSCs, for example, can be more difficult for someone who moves around frequently.
Most health insurance sold in Washington state today operates under the principle of managed care.
Managed care systems differ a great deal, however. Some allow more freedom to select a personal physician or other specialist. Depending on your personal circumstances, these differences may mean a great deal. Ask before you enroll about the managed care features of any plan and be sure you understand how they work. Others may buy direct from companies.