Whether you are making a choice between the health insurance plans offered by your employer, or buying an individual policy for yourself, here are 10 tips to take into consideration.

1 Know thy needs
Before you get down to comparing different plans, it is important to determine your insurance needs. You may not find a policy that will cover every contingency, but you should try to find a plan that at least covers the essentials, and meets your medical needs.
Does a family member have special needs? Do you plan on having a baby in the next couple years? Does a dependant need prescription drugs? Do you travel abroad? Thinking this through will enable you to match your next policy with your current and future medical needs, and get the kind of coverage that is right for you.

2 Shop around
All health insurance policies are not created equal. You or your insurance agent should get quotes from different insurance companies for comparison. You will find that there are broad differences in the cost, benefits and exclusions offered by various policies. By shopping around, you may not only save money on your insurance premium, you may also find a policy with benefits that are better suited to your needs. While shopping, be sure to do an apples-to-apples comparison of the standard benefits that each company has to offer.
One of the most convenient ways to get quotes from a number of health insurance companies, is at an insurance comparison website. You will fill out a single questionnaire and get several different quotes. Here are three comparison sites: