Deductibles aren’t bad or good, per se. It just depends on your financial situation. While you may have copays for simple things like regular visits to your doctor and to urgent care, outside of those regular visits, you’ll have to meet your deductible before major coverage kicks in. One thing is for sure: high deductible health insurance is typically cheaper since you’re covering a larger amount of your medical expenses.

After you’ve selected a plan and submitted an application, some carriers will issue a policy as quickly as the next day. Others may make you wait until the first of the next month.

Brokers, or agents (technically, in Arizona, they’re called “producers”) usually represent a number of companies and have years of knowledge of those companies. Brokers can provide a thorough analysis of each insurance company. Also, you’ll want numerous quotes when shopping around. Lastly, it’s a good idea to have an extra person in your corner should you need help with anything related to your policy. While you’ll often deal with the insurance company directly, occasionally you may need assistance.