| 1. Utilize the tools that are available to make your | | | | policy against up to date rates to make sure that your |
| search easier. (Avoid redundant actions: rather than | | | | current policy is still competitive). |
| duplicating your efforts in calling one PA health | | | | 4. Take the free money! (If your employer will pay for |
| insurance company after another and filling out | | | | your PA health care coverage through an employer |
| information form after information form online use a | | | | sponsored group plan then let them! You would be |
| free PA quote finding service which shows quotes | | | | passing up free money not to)! |
| from multiple companies - and it only takes less than 2 | | | | 5. Don't put your spouse and kids on your group plan if |
| minutes). | | | | you can find cheaper individual coverage elsewhere. |
| 2. Research all prospective PA health insurance | | | | (Just because your employer will pay for your health |
| companies. (It can be as simple as asking a few | | | | care coverage at work through a group plan does not |
| friends or coworkers [or even better an independent | | | | mean that your employer will be so generous to your |
| PA licensed health insurance agent] what they know | | | | spouse and kids so as to pay the premiums for them |
| about a particular company or you can go more in | | | | as well [although some employers will and if so then |
| depth and check them out with the Pennsylvania | | | | count yourself among the lucky!]. As long as your |
| Department of Insurance or look up their rating on AM | | | | spouse and kids are healthy then you will almost |
| Best [an independent company that rates the financial | | | | always be able to find cheaper Pennsylvania health |
| strength of insurance companies - remember AM best | | | | insurance coverage through an individual policy rather |
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| their financial statements and their business practices | | | | policy [one caveat to this general principle is that if you |
| they do not pass any judgment as to whether a | | | | are anticipating having more kids then a group health |
| particular company offers comprehensive policies and | | | | insurance policy will almost always cover maternity |
| strong network coverage]. | | | | while an individual policy will not automatically cover the |
| 3. Re-evaluate your options every year. (Your health | | | | pregnancy unless you pay an additional premium each |
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