How to Find the Best Health Insurance Plans for Your Family

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Shopping for health insurance for yourself as an individual is hard enough. The processes aren’t always simple, it’s expensive, and you’re not always sure what you’re doing. Add in shopping for your entire family and you’ve just entered a whole new problem. Health for an entire family is much less predictable. How do you know what coverage you actually need? What should you expect to pay for? These are the questions you’ll be asking yourself and more.

In the past few years, choosing an insurance plan for the entire family has become more complicated. There are more options than ever before, and it’s not always clear what the best choice is. The average family of four spent around $28,000 in 2018 on healthcare. That means you want to ensure you’re getting the best value for your money. Here’s how to find the best health insurance plans for your family so you can feel confident in your choice.

1. Start by Considering the Costs

The best place to begin is by crunching the numbers and considering the costs. This is sometimes the hardest part. Talking about how much you can spend each month and year on health insurance is a big conversation, especially for families with young children. Start with these things:


  • Monthly Premium – This is how much you’ll need to pay each month to keep your plan active. This cost will go up depending on how many people are covered under your plan.
  • Deductible – Your deductible is how much you’ll need to pay before your insurance coverage starts to pay. After this, you’ll be responsible for the co-pay, or a fixed price per visit to a healthcare provider.
  • Out-of-Pocket Maximum – Finally, your out-of-pocket maximum is the most you’ll need to pay for covered services in a single plan year.


From here, you can decide if a high- or low-deductible plan is right for your family. A high-deductible plan will mean you pay more out of pocket, but less on your monthly premium. On the other hand, a low-deductible plan will result in a higher monthly payment but lower costs for services and visits.

2. Look at the Network

Another part of the insurance shopping process is to take a close look at the doctor’s network. Each insurance plan will have a different network. Some might allow you to see out-of-network doctors if you pay more, while others might only allow you to see one primary doctor. If you have an existing provider, you’ll want to make sure this provider is covered.

This can be a challenge for families with separated or divorced parents. It’s always important to really take a look at your coordination of benefits if you need primary and secondary coverage through multiple parents.

3. Search Your Employer Coverage or on the Marketplace

Now that you know what to expect, it’s time to start your search for the best insurance plan for your family. The first place to search is your employer. Your employer will cover a portion of the costs, making this the most affordable option in most cases. Only one parent needs to provide coverage through their employer, and all other dependents can usually join this plan for an additional cost.

If you’re not eligible through an employer or if you’d like to see outside plans, check Health Markets health insurance plans. This digital marketplace will guide you through the search process to show you providers that are available in your area. From here, you’ll be able to make the right choice for you.

Protect Your Family

You want your family to be protected from medical emergencies. The first step is to ensure you have the right health insurance. Even if you think you and your family are in good health, things happen. Kids are especially prone to illness and injury, so it pays to be extra careful.

In 2018, 12% of adults between 18-64 didn’t have any form of health insurance. You can’t risk your health in this way, so make sure you have coverage as soon as possible if you don’t already. Health insurance doesn’t have to be complicated, so let’s work together to defeat this stigma.



Olivia is psychologist and entrepreneur from Brisbane. Mother of two beautiful children and proud owner of two silly boxer dogs. She is passionate writer, a traveler and conscious consumer, seeking healthy and sustainable products to incorporate into the lives of her family. Her motto is “Be the change you want to see in the world”.

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