How To Compare Individual Health Insurance Plans? 
That is a great question ! Thanks to the Affordable care Act -LRB- Obamacare -RRB- , there are now exchanges where you can look at several policies to compare them . Even so , they can still be confusing . How do you know what to look for ? I 'd ask you to contact one of the advisers available on the site , or a qualified agent to help find the right policy for you , but here are some simple things that you can look at to get an idea . -LRB- I have simplified this greatly -RRB- The OUT OF POCKET COST - this is what it will cost you to get your service , Doctor visit , or service . The out of pocket is determined by your DEDUCTIBLE -LRB- the amount that you pay before the insurance company pays - a high deductible plan will cost less in monthly premiums , but more when you need medical help -RRB- , your CO-PAY , -LRB- the amount that is charged to you for the service rendered . Typically , the lower your out of pocket , the higher your monthly premium will be . If you/your family are healthy people with few prescriptions or medical needs , a high deductible plan with a low monthly cost might make sense . The PREMIUM - this is the monthly cost of the policy that you will pay to the insurance company for the coverage the policy will provide . The COVERAGE - what the policy will allow for services , Doctors , and prescriptions . Here 's where an adviser can be really helpful . You want the policy that covers the most things for the least cost , while allowing you the most freedom over who to use as the provider of the services . If you have a medical need that requires frequent services , and you 've had the same Doctors for awhile , you 'd want to be sure that the policy allows that doctor to continue being your Doctor -LRB- They call this in-network , or out-of-network and charge accordingly -RRB- , and that his/her office accepts that insurance . This is a greatly simplified overview , and I would still advise that you have someone help you when you are choosing , but this hopefully gives you a better idea of how to get started . Thanks for asking ! 