Choosing a health plan can be a daunting task. Yet, as more and more 
People change of employer health insurance purchased individually-purchased health insurance, it becomes even more important to become an informed consumer. So, just how to choose a health plan? Here are 5 quick tips to help you
Note -. This blog is based on our new infographic, 7 truths about the cost of health insurance in America. Check out the full infographic here
Tip # 1 -. Understanding how Health Individual Insurance Works
individual health insurance coverage is on the rise in America, but as a refresher course for first leave cover how it works.
individual health insurance policy is a type of a person buys for himself and / or his family - independent employment.
Starting in 2014, every qualified individual health plans cover you, regardless of health conditions and must cover minimum benefits of essential health.
In addition, the health insurance purchase plans offered on public procurement (eg Healthcare.gov). can benefit from premium reductions (see tip # 3)
Tip # 2 - Not all plans are created equal
Although plans have become more standardized since 2014, plans not yet one-size-fits-all. This is a bonus, you can customize your health plan to meet your financial needs and health
When evaluating health insurance plans, consider these factors :.
- Network providers - are your favorite and medical centers doctors
- coverage level "network" - how much disability insurance will when you need medical care, and how will ? -you responsible (And remember, to help compare plans similar coverage levels, plans are sorted by level metal - with all the "Silver" plans, for example, with roughly the same amount of financial responsibility of the patient)
- insurance company. - how is the balance sheet of the company of the track, online tools, and customer service
Stuck on this? ? that all health insurance terms mean Do not worry - we've got you here
Tip # 3 -. premium tax credits provide big discounts
Prime tax credits can make individual health insurance more affordable for many Americans.
For example, 85 percent of people with market coverage benefit from a tax credit. The average tax credit is $ 272 per month, which makes the cost of coverage for less than $ 100 for 80 percent of the insured.
You are eligible for a tax credit if your income is between certain income limits and that you are not completely qualified, affordable coverage through an employer or government program. For coverage in 2016, the income limits are $ 47,080 for a single and $ 97,000 for a family of four
Tip 4 -. Shop Around
If you and your family are eligible for a tax credit premium, you want to buy a plan on the public market in your state.
If you earn above the income limits, however, shop around. Research plans in the public market, as well as online and via a broker to find the best plan
Tip # 5 -. 4 Factors affecting the cost
The last tip is to understand the four factors that influence the cost of health insurance 
plane.
The cost of your policy will depend on the specific media and the policy you select, eligibility for tax credits of premium, and these four factors:
- age
- Rating Area (your position)
- How many people in your family
- smoking
Conclusion
Medicare plans As you search, keep in mind how individual policies work, how the plan is structured, premium tax credits and cost. By understanding these tips, you are well on your way to choose a plan that meets your financial needs and health.
What questions do you have about how to choose a health plan? What advice would you add to choose the best policy? Leave a comment or question below!
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