When looking at plan design and coverage, consider the following:
Deductible Levels. Deductibles can range from $500--$6,500. Consider what you are comfortable with and how those deductibles affect the cost
Out of Pocket Maximums. This is the most you will pay in a given year and can vary greatly
Prescription Drug Coverage. Consider if you are more comfortable with low copayments or if prescriptions are subject to your annual deductible
Provider networks. Some carriers may only have one provider network available, while others may provide you a choice. Smaller, more restrictive networks may allow you to keep your premiums costs down but you always need to make sure that your doctors and hospitals participate in the network.
With all of these considerations, ASA will walk you through the process to ensure you have the plan that best fits you.
Individual insurance can only be purchased during the annual open enrollment period which typically runs from November 15 to December 15 of each year.