When it comes to finding affordable health insurance in thesate of Arizona the bust rates are usually found through a planwith your employer. However, if for some reason you are eitherunemployed or self-employed, you are not without options. Thereare several insurance companies that offer health insurance foran individual. Before you start shopping for your individual health plan,check with the Arizona State Insurance Department to make surethe insurance company is licensed to do business in the state.After confirming that you are dealing with licensed companies,you should ask yourself a few questions to ensure you choose aplan that will work best for you: 1.Can I continue to use my current physician: If you’veestablished a long-term relationship with your doctor andabsolutely do not what to change, then you will have to checkto see which plans your doctor accepts and begin your searchfrom that list. 2.Specialists: If you primarily use alternative care like anacupuncturist or a chiropractor, you must investigate to findout how your insurance company will respond. Some companiesoffer limited visits to such specialists. Make sure find a planthat will compliment your lifestyle. 3.Out of pocket expense: Find out how much you are willing topay out of pocket. Let’s face it, the more risk you are able totake, the less you should pay for insurance. However, if youcannot afford much out of pocket expense, look for plans withlower co-pays/deductibles. Usually there is an inverserelationship between co-pay/deductibles and premium. The lowerthe co-pay the higher the premium. 4.Children: Do you have any or planning to have any? If youdon’t have children and are not planning to have any, thenpediatricians are not an issue. However, if you currently havechildren and they have built a relationship with apediatrician, there is yet another list of carriers for you toresearch. 5.Shop around: Don’t take the first quote you receive

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