As a family, it's important to find the right coverage at the most affordable price.
 Here are some tips to help you find the right plan.
  Tip 1 Assess your families financial needs and decide how much risk your family is able to afford.
 How important is it for you to have a low monthly plan cost?  If it's important to you to have a low premium, determine what the most you could handle paying in one year, in the case of a major medical event?  Consider a plan with an "out-of-pocket-maximum" that is in that range.
Tip 2 Start your search.
 If you haven't, or didn't want to sort through and find plans on your own, use a local independent agent to help you through the process.
 Most agents don't charge you directly for their services.
 They get paid by the insurance company if you purchase a plan through them.
Make sure you get a hold of different companies, by phone or their website, and get the plan brochures, coverage details, and pricing sheets.
 If you use a local agent they should have this information on hand.
Tip 3 Download applications for the plans you wish to apply for.
 In some states, insurance companies cane deny private health plans for families, or increase the rate if there is a medical history or current health conditions they are concerned about.
 If you use a local independent health agent the can help explain the way insurance works in your state.
 They will also provide you with any applications you need.