New Rules, Resources Make It Easier to Find Individual Health Insurance

Take advantage of new consumer tools to find affordable policies.

Unless a Supreme Court decision derails the 2010 health-care-reform law, the marketplace for individual health insurance is scheduled to change drastically in 2014—when policies will be sold on state-run exchanges and insurers will no longer be able to deny you coverage or charge higher rates because of your health. Until then, take advantage of new rules and resources to help you find coverage.

Resources. A new tool at the government’s site provides extensive information about the policies available in your area and makes it easy to narrow your search based on the size of the deductible, out-of-pocket expenses and the type of plan (such as HMO or PPO). You’ll see details about benefits, co-payment rates, exclusions and base premiums.

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Kimberly Lankford
Contributing Editor, Kiplinger's Personal Finance

As the "Ask Kim" columnist for Kiplinger's Personal Finance, Lankford receives hundreds of personal finance questions from readers every month. She is the author of Rescue Your Financial Life (McGraw-Hill, 2003), The Insurance Maze: How You Can Save Money on Insurance -- and Still Get the Coverage You Need (Kaplan, 2006), Kiplinger's Ask Kim for Money Smart Solutions (Kaplan, 2007) and The Kiplinger/BBB Personal Finance Guide for Military Families. She is frequently featured as a financial expert on television and radio, including NBC's Today Show, CNN, CNBC and National Public Radio.