These are plans that you buy for yourself and/or your family if you either cannot or do not want to get coverage offered at work or through a spouse or parent.

Important features to look for.

-Out of Pocket Maximum
( This is typically your annual maximum exposure - ask if the plan deductible is included in the Out of Pocket Maximum, it is a good thing if it is)

-Prescription Coverage.
A separate deductible is normal. More importantly, look for a substatial annual maximum. $1,500 is a good starting point but $5,000 is optimum.

-Coinsurance.
This is the percentage of the covered expenses that the insurer will pay after you meet the deductible. 80/20 splits are normal but you should beware of anything below 70/30 unless the out of pocket max is low

Find the best health insurance coverage for your family in Maryland
Choose from the top companies like
-Blue Cross
-Kaiser Permanente
-Aetna
-United Healthcare

What to look for in an insurance policy

Whether it's health insurance or car insurance, when it comes to choosing a good insurance policy there are some common factors to look out for.

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