Which Health Insurance Company Is Right For Me? 
The health insurance carrier/plan that is right for you depends on your age , needs , budget , and where you live . Sinceeveryone 's needs and budgets are different as well as the plan types available to them , you should consult with an experienced health insurance broker about your specific situation so you can review and discuss the available options . There are four main benefit levels of coverage - bronze , silver , gold , and platinum . Platinum plans are going to provide the most comprehensive benefits , but will also feature the highest premiums . Not everyone will be able to afford a platinum plan , which is why bronze , silver , and gold are available as well . The idea being to reduce your premium , you take on a little more risk - meaning you 're willing to take on a higher deductible , higher coinsurance/copayment , etc. to keep your premiums down . Group coverage can provide many benefits as well , such as lower premiums -LRB- the employer contributes to a percentage of the premiums for each employees plan -RRB- - the trade-off to keep in mind is that for group plans , if you left the company or were fired , you lose the coverage . An individual plan will stay with you wherever you go.I hope the information is helpful - please feel free to contact me for help and if you have any other questions . Thanks very much . 