1. Find out what your monthly payment will be. This may seem obvious when you’re looking for an affordable health insurance quote, but many people are sidetracked by coverage they aren’t going to use and use that coverage to justify paying a higher premium. Is it a payment you can afford? If it’s a payment that’s going to stretch your budget a bit, is the coverage worth it, i.e., is it coverage that you’re most likely going to use?

2. Ask about the kinds of expenses you can insure with the plan. It’s possible to save some money by only insuring the medical needs for which you’re most likely going to seek medical attention.

3. Make sure you understand the deductibles. How much money are you going to have to pay before your health insurance plan picks up the bill? Once you meet that deductible, exactly how much of the cost will your health insurance plan cover? Also ask about out-of-network and in-network doctors. Does the health insurance plan you’re interested in have a more affordable network of doctors? How expensive are out-of-network doctors, and how much of that extra cost will your insurance plan cover?

In order to get the most affordable health insurance quote, it’s important to shop around. Focus on these three factors to find an affordable health insurance quote.

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