If you don’t get healthcare coverage through your employer, or if you’re self-employed, individual health insurance is an absolute must.

The four big variables to watch out for are:

• The deductible (how much you pay out-of-pocket before the insurer starts paying)
• Co-payments (flat dollar amount that you pay toward each medical or hospital bill, with the insurer picking up the rest)
• Max out of pocket (the most you will pay in a calendar year)
• Exactly which medical services, doctors, treatment and drugs the policy covers

When offering individual health insurance, insurers have a particular interest in making sure you stay healthy. That means they’ll often pay up to 100 percent of the costs of some preventative healthcare.

Health insurance is certainly a complicated topic, so if you want to find out more about getting the ideal plan, contact us today.