Insurance Money 5 years ago Share Tweet Shop ‘Till you Drop: Shopping for Health Insurance Shopping for Health Insurance. It can be a challenge to find a health insurance policy that meets your health care needs and fits your budget. Shopping for health insurance can be a frustrating hassle. There are so many companies with so many rates to compare. However, it is important to take your time and find the best insurance company for your money. Although it may be frustrating, health insurance is a necessity. In any area, there are usually quite a few health care providers that can supply you with a quote over the phone. You could also use the Internet as a resource. By using these tools, you can make the shopping process go more smoothly. Saving Money Tips The first step is going to be deciding which type of health insurance cover you should be shopping for. If you have a family, it would be in your best interest to find a company that will give you one decided premium and co-payment plan no matter how many children you add to the plan at any time. Without a family, you would be shopping for individual health insurance but will need to decide if you are in need of short-term insurance or insurance for an extended period. Once you have established what type of health cover you need, it is time to make some calls. Go through the phone book and start making some phone calls. After answering a few simple questions, you can get a insurance quote and move on to the next company. Cost is one of the most important factors. If you find two or more of them with very similar premiums and a low payment amount, you should compare the benefits. Can you add immediate family at no charge? Will this health insurance include dental, emergencies, prescriptions, or doctor visits? This may help you find one that appeals more to your needs and is within your budget. Using the Internet to shop around for a health insurance company will be a very similar process. Some reputable insurance comparison websites out there will ask you to fill in a few blanks and then give unbiased quotes from many different health insurance companies. Whether you are going to be doing your shopping over the phone or on the Internet, you should use your best judgment of the information that you get on each company to decide on one that makes you comfortable. Health insurance is a cost that is necessary to save you money in the long run on prescriptions, doctor visits, and unforeseen emergencies. Don’t get left with bills that you have no way of paying because you didn’t have insurance.