Planning Steps Before You Apply for Health Insurance

team all hands in

Even if you aren’t in school anymore, you still need to do some homework to be prepared for the next Open Enrollment Period! When you are ready to apply for health insurance, you’ll have three options available. Let us guide you in preparing to buy health coverage that meets your needs and fits your budget. Explore your options and learn about the steps you need to take during the Open Enrollment Period.

Step 1: Plan Ahead

  • Create a list of any questions you  have before choosing a plan. Review these FAQs.before you apply for health insurance. Think about the amount of coverage you need. Reviewing our list of questions to ask when seeking a plan can help you find out what is more important to you when it comes to your health coverage.
  • Set a budget. Think about the monthly premium, but also keep in mind the copayments, deductible and other out-of-pocket costs to figure out what you could end up paying within a year, should you end up with unexpected medical bills. When you apply for health insurance, keep in mind that in general, the greater the cost on your premium, the less you will need to pay out of pocket when receiving care.
  • Provider Network – Is your doctor in the plan’s network? You should make a list of doctors, including specialists, pharmacies, physical therapists, urgent care centers and hospitals you use and check to see if they are in the plan’s network
  • Gather some basic information about your household.

list of items to apply for health insurance


Step 2: See if You Can Get Help Paying for Health Insurance

The health care law helps many people pay for health insurance. Based on your income, family size and the health plan you choose, you may qualify for federal financial assistance. This could reduce – or even eliminate – your monthly payment. Check if you qualify for financial assistance.

Step 3: Find a Plan that Works for You

Not all plans are suited for everyone. After you’ve thought about everything that you (and you family) may want and need, now you can choose a health plans that fits your lifestyle and budget while taking great care of your health! Check out our Buyer’s Guide for examples on how a plan can best fit you!

Start shopping now if you’re ready or, if you have questions, you can call us at 1-855-591-1515 or visit our website.

Last update: 10/22/2018

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