What To Look For In A Good Health Insurance Plan? 
The 1st post was made in 2014 ... SO MUCH HAS CHANGED ... in my state I start with 2 questions . # 1 -RRB- What will you make this year - So I can assess if the person is , or is not , eligible for subsidies . If NOT , we do n't mess with Healthcare.gov -LRB- or the state site if there is one -RRB- . Question # 2 -RRB- WHO do you want to see when you need service ? WHO IS MORE important than the rate you pay . In my state we had ALL PPO 's before this year . Now there are also carrier options with an EPO & POS . No HMO 's in my state as of now . Yet the HMO model is prevalent in many states . Who When Pre-authorization Gate Keepers Out of Network Traveling & many other factors make up WHO ... The network type & size IS YOUR HEALTH INSURANCE . Do n't settle for a tiny network that has no out of network coverage . Go PPO if you can ... . 