The best health insurance companies are those that help you design the plan you want, especially if you are looking for individual or family plans. When you design your plan, you'll want to be able to choose your doctor or hospital, lower your monthly premium to save money, make sure your prescriptions are covered, and make sure the plan covers maternity, cancer, and diabetes. Here's how.

The majority of us need great individual or family plans there are millions of people who aren't covered by workplace insurance. Those of us who don't need plans that fit our lifestyles and our budgets - and that's why it is so important to find insurance companies who will meet our needs.

Design the Plan

Good companies help you design the plan you want. They offer more than just one type of coverage. For example, if you want to be able to continue seeing your favorite doctor or going to the hospital that is located near you, you need to make sure your plan covers it. Good companies will have more than one option, so hopefully, you'll be able to find one that covers that doctor or hospital.

Call the Health Insurance Companies

When you call the health insurance companies, ask whether the plan is an HMO, PPO, POS plan, or something else. Ask about your options - can you see a doctor outside your plan, for example? Or will you be penalized?

Next, can you lower your monthly premium by raising your deductible? Just make sure you open a savings account or a health savings account to save money for that higher deductible, but this should save you money in the long run if you are healthy. You'll be paying less each month.

Ask About Your Prescriptions

When you call different companies, ask about your prescriptions. Are they covered? What about maternity deductibles, cancer, and diabetes? Plans usually don't cover these or have extremely high deductibles. Make sure you get the facts!

Conclusion

The best thing to do is call health insurance companies that offer free health insurance quotes. That way, you don't lose any money, you're able to talk to someone on the phone and get your questions answered, and you can find the best plan for you.