The cheapest health insurance policy may not be the best one for you

If you’re like the vast majority of Americans today, you’re in a hurry to get what you need, when you want it, and that includes health insurance quotes. You want them fast and cheap. And that is certainly doable, but beware of what you are looking at and buying.

Make this a rule that you never deviate from: never buy the first policy you see or the lowest-priced policy you can find before you read the contents, ask questions and figure out if it covers what you need it to cover.

Cheap insurance is great, but it has to also offer the kind of coverage you will likely need if you need medical care. There is no sense in paying for a cheap policy that ultimately does not cover your medical costs when you need it to. That’s a waste of money on an ineffective policy, plus you will then also have to find a way to pay the medical bill you thought was covered, but was not.

It’s not the kind of bind you ever want to be in. Take the time to learn what you can about your choices and don’t make an important decision like health coverage that works when you need it be made based on price alone.

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