In today's day and age, there are many options when it comes to health insurance. The most popular way to get health insurance coverage is to participate in an employer's group health plan or get coverage through a family member's employer health insurance plan.

Unfortunately, this option does not work for all Americans. In a 2006 census bureau release, nearly 16 percent of Americans are currently uninsured. If you fall into this category and are considering looking for health insurance coverage, this article will guide you through the steps of comparing health insurance companies.

This article is also for people who are currently insured through an employer (whether its their own or a family member's), but that coverage will be expiring soon. You may need to find a new health insurance provider. Carefully read the following paragraphs to learn how to compare to find the best health insurance coverage plan.

Does the plan have prescription coverage? Many health insurance plans (especially individual policies) do not have prescription drug coverage. Compare different plans to find one that gives you the best prescription coverage or prescription discounts.

Does the plan cover pre-existing medical conditions? Many insurance policies will write waivers for any medical condition you had prior to getting the new policy. This means and treatments or medical expenses related to the condition will not be covered and you will have to pay out-of-pocket for the coverage. Compare plans to see if any accept pre-existing medical conditions.

How much does a doctor's office visit cost? Compare plans to see how much you will be expected to pay each time you go to the doctor. Some plans will expect you to pay the full deductible before they pay any doctors office visit while others will only require you pay a standard co-payment each time.

What are the deductible levels and your maximum out-of-pocket expense? Compare each plan closely to see what you can expect to pay annually out of your own pocket. This will include the sum of all deductibles.

Although there are more things to consider, compare these four things with each insurance policy you consider. Choose the one that works best for you and your family.

For more information on how to choose between individual health insurance companies and for detailed reviews of insurance companies like Mega Health Insurance, visit the Health Insurance Center at http://healthinsurance-com.com Today!