Knowing how to switch Health Insurance Companies successfully means knowing what you have, what you need, and what you would like to have.

I. Assess Your Current Health and Lifestyle

Do you have an ongoing Health issue, such as high blood pressure? Are you on medication? Are there habits that could impact your ability to obtain health coverage, such as smoking? Focus your attention on providers where these issues will have minimum impact on your eligibility as well as your rates.

II. Identify Specific Health Insurance Companies to Investigate

Make a list of Health Insurance providers who can meet your needs. Verify that each company on the list is authorized to offer insurance in your area. This will avoid wasting time on providers that are not licensed to operate in your state.

III. Investigate Your Top Picks

Look at deductibles, any restrictions related to pre-existing conditions, and the structure of the payments for the coverage. Check with consumer protection agencies to see what type of complaints have been filed on each provider, as well as how the provider successfully resolved those complaints. Also check online forums to find out what existing subscribers think of the customer care ethic and general terms of the policies related to each of the providers.

IV. Compare the Best of the Lot with your Current Provider

Any health insurance company that cannot at least match the coverage currently in place is not worth your time. Narrow your list down to one or two providers that appear to offer you additional value, either by way of lower deductibles or a lower overall cost for the coverage.

Only after you have qualified a potential provider should you begin the process to Switch Health Insurance companies. Keep your current coverage active until you’ve received approval from the new provider, and have the coverage firmly established. This will prevent the possibility of being without insurance for even a few days.