If you are shopping for an individual health plan in Colorado, you need to be aware of the "policy factors" that impact value.
There are the common factors that you can compare on any of the insurance quoting websites including price, provider network, coverage, and exclusions (among others).
These are important factors to take note of and you would be wise to take the time to understand the policy's terms.
However, while you are comparing policy factors, make sure you and your insurance agent are also considering the "you factors.
" Factors such as:

• What you do for a living.
  
• Your family status (Married? Have children? Considering having more children?).
  
• Your health history (Do you have any pre-existing conditions? Take any prescription drugs?).
  
• Your financial and tax status.
  
• Do you own a business?
• Your risk tolerance (are you willing to go with a higher deductible in order to save on premium costs?).
  
• What other health insurance alternatives available to you (group health insurance through your business or your employer, health savings accounts, etc.
  )?
• Your lifestyle (health habits, travel inclinations, goals, etc.
  )?

The answers to these questions, and others, will help your agent in making suitable recommendations for you and your family (and, perhaps, your business).
In addition, these consultations help to ensure that you fully understand the plans and features so that you get maximum benefit and value out of your premium investment.
When it comes to Colorado health plans, don't just shop for policy features - find an experienced, professional insurance advisor that can get to know you and your unique circumstances and needs.
Only then can you be assured of getting the best value.