History

• The company's claims history, its results from investing premiums, and its operating expenses all affect the premium it charges. Paying more doesn't necessarily mean you'll get a better policy.
  
  

Types

• Look for similar plans. PPOs (preferred provider organizations) and HMOs (health maintenance organizations) have some restrictions that traditional plans don't have but often are cheaper.
  
  

Size

• The size of the deductible affects the cost. The more you pay out of pocket, the cheaper the rate. Compare policies with like deductibles.
  
  

Considerations

• Understand your needs and look for plans that best fit those needs. If you find an inexpensive PPO or HMO, make certain there are health care providers in your area.
  
  

Potential

• When getting health care insurance quotes, look for some low-priced alternatives like a HSA (health savings account) combined with a HDHP (high deductible health plan).
  
  

Prevention/Solution

• Use online sources to find quotes (see Resources). You'll save time because you can get quotes from several companies at once.