How to Get Single Health Insurance Coverage

Seeking single health insurance coverage (also commonly known as individual health insurance) can be a challenging task. The process of finding appropriate single health insurance coverage involves balancing coverage versus cost. In other words, you must find a policy that provides you the coverage you need at a premium price you can afford. If you are like many people, you may have a pre-existing medical condition that also needs to be considered as you look for a suitable single health insurance policy.

Make a list of your personal health insurance needs. For example, are you concerned about ensuring that you have protection for a catastrophic illness or injury? Do you need coverage for preventative care?

Estimate what you believe you reasonably can afford within your budget for individual health insurance coverage.

Identify any pre-existing conditions. For example, if you are a diabetic, this chronic illness will affect the type of coverage that is available to you. Depending on a pre-existing condition, you may find it difficult to find coverage. In the best case scenario, a pre-existing condition will result in an increased premium for individual health insurance.

Consider engaging the services of an insurance broker or an independent insurance agent to assist you. Brokers and independent agents typically are able to access a variety of health insurance products from different insurance companies.

Shop around on your own to compare coverage and rates associated with single health insurance policies if you elect not to use the services of a broker or an independent agent. Today, many health insurance companies sell insurance polices direct to the public through their websites.

Prepare and submit an application for single health insurance coverage. Be prepared to respond to any requests for additional information or questions that the insurance company might have for you during the underwriting (approval) process.