Before you start shopping for health insurance, know what kind of coverage you need. Look carefully at what the plan covers and what it doesn't cover (exclusions or limitations); compare benefits; and compare health insurance plans (PDF, 163KB) . You can also get answers to common questions when comparing health plans.

Figure out how much you can afford

• Ask about the premiums, copays, deductibles, co-insurance and out-of-pocket limitations.
• Find out about the dollar limits on how much you'll pay for health care services you receive (out-of-pocket maximums).
• Look carefully at policies with bargain-priced premiums - they might turn out to be too limited to be useful for you.
• Understand the claims process, how your providers get paid and what portion you have to pay.
• Here are some options you and your family may qualify for if you can't afford health coverage.

Remember, not all health insurance is the same.

Updated 03/12/2013