There are web sites where you can input your age, zip code etc. and select from a very comprehensive list of medical plans from almost all providers with the monthly premium shown. You can then select a short list for side by side comparison and apply directly to the health care provider.
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A good independent agent is the best thing you can have and its FREE. The plan premiums are the same whether you work thru an agent of you buy direct. So whats so good about an agent? #1) All plans have good points and bad points. There are tradeoffs. I can assure you that the customer service dept of XYZ company is not going to go out of theirway to point these things out. For example one plan has unlimited $25 doctor copays...sound great but the fine print on page 13 says only for "family physicians. A good agent gets paid from all companies. He is free to work for you!! He/she understands the big picture with all the products. When you say maternity is important he know exactly what the issues are with all the plans and is not afraid to tell you.
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