@saptarangi
If you want to buy Health insurance there are two options of buying it.
Option 1:-
If you want to buy it for yourself you have to purchase it from https://www.healthcare.gov. For 2016 coverage, the Open Enrollment Period is November 1, 2015 – January 31, 2016. The website is user friendly, it will ask you personal details and will recommend the health Plan based on the information supplied. It will allow you to compare plans. I would recommend this option for you.
Option 2:-
If you work for your employer, you can get enrolled from your employer group anytime throughout a year.
How to choose the Insurance Plan
1. Make sure the plan you choose provide Medical, Vision and Dental. In most of the plans Medical and Vision comes together but dental you have to buy separate too. It depends on the plan you purchase.
2. HMO VS PPO: HMO has limited network choice, whereas PPO has wide range of choices and is expensive compared to HMO. If you are sure you will be leaving in one particular area for at least a year then I would prefer HMO Plan.
3. When you look at the plan, also compare Copay, Deductible, Coinsurance, Out of Pocket and the services covered by the plan. The basic of how health care works is higher the deductible lower the premium and vice versa.
Copay- It is the amount you pay every time you visit the doctor.
Deductible- Amount you will paying until the health insurance plan starts paying. You have to meet your deductible first.
Coinsurance- The share of amount that will paid between you and your health plan. Example- 80-20.
Out of Pocket- The maximum amount you would pay from your pocket.
Hope this helps you a little bit in making the choice.
