When it comes to finding cheap health insurance in Arizona, most people find the best rates through a plan with their employer. But if you are unemployed or work for yourself for some reason, you don't have to be stuck. Individual health insurance is available from a number of insurance companies.
Check with the Arizona State Insurance Department before you start looking for an individual health plan to make sure the insurance company is licenced to do business in the state. After making sure you're dealing with licenced companies, you should ask yourself a few questions to make sure you get the best plan:
Can I keep my current doctor? If you've been seeing the same doctor for a long time and don't want to switch, you'll need to find out which plans your doctor accepts and start your search from that list.
Specialists: If you mostly use alternative treatments like acupuncture or chiropractic care, you should look into how your insurance company will react. Some companies let these specialists come in for short visits. Make sure to find a plan that fits with the way you live.
Out-of-pocket costs: Decide how much you're willing to pay out of your own pocket. Let's face it: the more risk you can take, the less insurance you should pay for. But if you can't afford to pay a lot out of pocket, look for plans with lower co-pays and deductibles. Most of the time, co-pays/deductibles and premiums go in the opposite direction. The premium goes up as the co-pay goes down.
Children: Do you have any or are you planning to have any? If you don't have kids and don't plan to have any, you don't need to worry about paediatricians. But if you already have kids and they have a relationship with a paediatrician, you can look at a different list of carriers.
Don't take the first price quote you get.