How To Compare Individual Health Insurance Plans? 
Individual health insurance coverage can be easily compared , which allows you to obtain the lowest available rates along with quality benefits . The key is finding the best offered plans , and understanding what type of policy you need . Utilizing an experienced broker is also critical . You 'll receive valuable free advice from a resource that represents all major carriers . Verifying that your doctor , specialist , or hospital is `` in-network '' is just one of the many important services that we -LRB- experienced brokers -RRB- provide . And having a clear understanding of how your prescription coverage will be treated is also quite important . Now that the ACA legislation has been passed , and single and family healthcare coverage is so different than prior to 2014 , it 's imperative to work with an experienced broker that can help you understand which plans best meet your budget and still offer the comprehensive -LRB- or catastrophic , if needed -RRB- benefits that will pay your medical bills . Another important factor is the accurate calculation of your federal subsidy . Depending upon your FPL -LRB- Federal Poverty Level -RRB- , you may qualify for financial assistance that pays most or all of your premium . Understanding network availability is also critical when reviewing different plans . If you live in Ohio , for example , is the Cleveland Clinic a covered provider ? That 's the type of information that must be considered along with the obvious rate and benefit concerns . IMPORTANT : The answer to this question was provided by Edward Harris , one of the nation 's premier health insurance experts with more than 34 years of experience . Harris manages several top-rated websites , including majormedicalhealth.com , which provides the lowest health insurance rates to consumers from the largest carriers . Our clients receive unbiased service and advice at any time . 