If you are a single man, finding the right health insurance plan may be overwhelming. It might be tempting to find a plan with the cheapest premiums and sign up.
However, the premium cost is just one aspect of an individual health insurance quote. The rule of thumb is the cheaper the premium, the more you pay when you go to the doctor or end up in the hospital. Here are a few things to consider before buying a plan:
This means it meets the requirements of the Affordable Care Act. These plans offer certain important health screenings for men that include:
These basic screenings (and others) are available at no cost to you when you have an ACA-compliant health plan.
This means that if you are a smoker, you may pay more for an ACA-compliant insurance plan. However, you will be able to get help quitting at little or no cost.
The average medical and prescription health insurance deductible is $5,328 for the cheapest (bronze) level plan. A deductible is what you pay before the health insurance plan begins to pay.
After the deductible is reached, you may still have to pay some costs, such as copayments and coinsurance. This makes the Maximum Out-of-Pocket Cost, or MOOP, a very important number to know – you can’t pay more than the MOOP amount in a plan year. However, it is important to remember that MOOPs only apply to health care services that you receive within the insurance plan network. If you end up in an out-of-network hospital for non-emergency care, you could end up paying much more than your MOOP limit.
For example, cardiovascular disease is the leading health risk for men.2 You will want to check the network of all your individual health insurance quotes to make sure it offers cutting-edge cardiac care and programs that can help you reduce your risk for heart disease. Some health insurance plans provide robust health management programs that can help you manage your risk.
Some health insurance plans include wellness programs that reimburse you for healthy activities, such as working out at a gym, buying produce straight from the farm, or taking health-related classes. Find out if the health insurance company you’re considering offers this benefit. For example, Quartz Well offers up to $100 per year for healthy activities.
Once you choose a health plan, plan to use it! Health plans are structured to help you prevent and treat illness. ACA-compliant plans offer many benefits at little or no cost and reward you for taking care of yourself. According to WebMD, men go to the doctor less than women and are more likely to have a serious condition when they do go, research shows. The top six threats to men’s health are:
Don’t wait – get individual health insurance quotes at a variety of price points from Quartz Benefits right now and start taking care of your health!