What are the best options to look for when shopping for individual health insurance?

My sister needs to get health insurance. I have some through my job and I know its different. Any suggestions?
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#1 - always buy local. If you shop over the internet, you're likely to get scammed - you might not end up with an "insurance" product at all. A local agent will have competitive rates with real insurance products, and your "in network" emergency room won't be 300 miles away. #2 - balance how often you see the doc with your premiums/deductibles. If you're pretty healthy and never visit the doc, you're probably better off with a major medical policy - which would leave more money in your pocket at the end of the year, while still keeping you covered in case of a major problem. #3 - always check out the financial rating of a potential carrier with AM Best, and complaints with your local BBB, BEFORE buying.
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