When you were first shopping for health insurance you probably compared several policies from different companies and the cost of the monthly premium undoubtedly ranked high in your final selection.  Now, when it is time to buy the policy, you should check to make sure that price is really available to you.  The price of a policy can fluctuate by more than double based on your height, weight, health history, smoking habits and prescription drug usage.  If you are in good health, do not smoke,  are not overweight and do not take any prescription medications then the quote you received is probably good but, if not, you can very easily get a quote that will be more specific for you if you make a simple phone call to the person that gave you the quote.  If you had been shopping online, go to that site and look up the contact information.  With a brief description of your particular situation the person you are speaking to should be able to give you a field underwritten quote, or best estimate.   In order to know exactly how much a policy for you will cost you would have to complete an application and submit it to an underwriter, but if you are speaking to a licensed broker he may be able to take that completed application and run it by an underwriter for you with no obligation on your part.  A broker who is in your local area will also be able to advise you which insurance company might be the most friendly in underwriting your particular situation.   Keep in mind that a local broker will also get you the same rate as the largest internet brokerage service since there is no purchasing power due to size; everyone is individually underwritten by the insurance company.

Video:  5 things to always do when buying health insurance.

Ronald Haines
ronald@hcibenefits.com
www.hcibenefits.com