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My name's Seann McWhorter, I'm agency principal of Insure Right Insurance Agency, located
in Lehi, Utah. We're here to talk about insurance ins and outs, and specifically how to choose
a health insurance plan. Well, I think that there are several different things that you
need to consider when choosing a health insurance plan. And price isn't necessarily the most
important thing, although it is an important determining factor. Some of the things you
need to consider is your current health situation. If you or your family members have had any
health problems in the past, it may be difficult for you to qualify for an individual health
insurance policy. So you want to consider that before ever leaving your current health
insurance program. Some of the things that you'll want to consider when you're purchasing
a health insurance company is to find--make sure the companies that you're applying with
are companies that are financially stable. That aren't going to be pulling in and out
of the state that you live in, which can put you in a really tough situation. It's also
important to determine whether you want an HMO type of a policy, or a PPO type of a policy,
or a high deductible health savings account type of policy. There are differences between
all them. An HMO policy will--you basically have to choose a primary care provider, and
any time that you want to visit a doctor you'll need to go to that primary care provider and
discuss the situation with them, and then they will give you a referral to go to a specialist
in whatever you need to specialist that you'll need to see. Whereas in a PPO, you are able
to go to whatever doctor you want as long as that person is in the network in order
to get his services paid at the preferred rate--or preferred schedule.