Anybody who needs health insurance coverage can either call the insurance company directly or work through an agent to find the policy that suits them best. An agent can give you information about all the plans that you qualify for as well as answer any questions that you may have regarding the application process, cost, the coverage itself, and so much more. You can ask for quotes from different companies online or you can go to an agent's office to apply directly. If you are applying through an agent, ask to speak to a supervisor before you fill out the paperwork. The representative will be able to give you the most current prices on plans as well as any discounts that you may qualify for.
One of the questions that you should ask yourself when you are filling out forms is, "Who needs health insurance?" Even though you may have health insurance coverage now, it does not mean that you will always have it. Some people have to pay a portion of their medical expenses out-of-pocket. If you do not have any coverage and you suddenly become ill, you could be faced with hundreds of thousands of dollars in medical expenses.
Another question that you should ask yourself when you are filling out your forms is, "Do I live in a high risk area?" High risk areas are those that have a higher than average rate of diabetes or heart disease. These people typically have to pay a higher premium on their health insurance plan than those who do not fall into this category. Those who do not belong to high-risk areas can also get federal tax credits to help defray the cost of their health care coverage.