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How to Pick Out Adequate Health Insurance
Reviewing health insurance policies can leave your head spinning. Here are eight mistakes to avoid when buying insurance on your own.

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Consumer Reports breaks down eight common mistakes consumers should avoid when picking out the right health insurance plan.

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Avoid General Online Searches

If you’re using a search engine to find a health-insurance plan, you might be happy to see all the instant low-cost quotes that come up, but it’s impossible to sort the legitimate plans from the large sea of scams. It’s also in  your best interest to avoid plans advertised on  telephone poles, faxes, robo-calls, or late-night infomercials, Consumer Reports warns.

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Use Independent Brokers to Provide Options

Most brokers deal with multiple companies and can help clear up any questions or concerns you have with complicated policy language.

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Research Plans on Healthcare.gov

The government-run site allows you to research licensed health plans sold in each state to help streamline your efforts.

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Use Local Resources

Most health plans are regulated by the states they are sold in, and many state’s insurance department’s offer websites that detail which plans are licensed. Also, according to the Consumer Reports, 26 states now have federally-funded consumer assistance programs.

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Avoid Mini-Meds

According to Consumer Reports, the government requires mini-meds plans have a disclaimer that states the coverage doesn’t meet minimum standards required by the Affordable Care Act. These plans are controversial and often cap benefits at just a few thousand dollars a year.

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Read Potential Plans, and then Read them Again

Not all plans will cover your specific needs—some plans skimp on prescription drugs or diagnostic tests. Make sure you get enough coverage to

Avoid paying unnecessary fees out-of-pocket.

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Know Your Health

If you have a pre-existing condition that makes it hard to find coverage, determine if you are eligible for coverage under the Pre-existing Condition Insurance Plan created by the health reform law, according to Consumer Reports.

How to Pick Out Adequate Health Insurance

Reviewing health insurance policies can leave your head spinning. Here are eight mistakes to avoid when buying insurance on your own.

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