How to Shop for Individual Health Insurance

Without an employer to sponsor you, picking a health plan can be overwhelming.

Understand the Metals

Bronze, Silver, and Gold plans refer to the cost-splitting ratio, not the quality of care.

Check the Network

Ensure your preferred doctors and specialists are 'in-network' for the specific plan you are considering.

Deductible vs. Premium

If you are healthy and rarely see a doctor, a high-deductible plan with a low premium might save you thousands.