When purchasing health insurance, you may have to think about more things than you initially imagined. If you have insurance coverage at your current workplace, you may have less coverage than you think. When your employer insures you, they will typically offer you very specific coverages and a limited number of options. If you have a policy purchased by your employers that covers your entire family, it can really be prohibitively expensive, especially if your entire family does not frequently use or need the services you are purchasing.

If you are self-employed, you may not have any coverage at all or you may have a very basic policy that doesn't really meet your needs and is therefore a waste of money each month. Fortunately, you can purchase individual health insurance through an independent agent, allowing you to get the coverage you need.

Whether you are covered by a health insurance policy or need to purchase a new policy, it makes sense to stop and thoroughly evaluate your personal insurance needs. Do you need an extensive policy because you visit the doctor frequently and have large medical bills? Or do you visit the doctor so rarely that you can't even remember your last visit and would be better off with emergency-only coverage?

What is the ideal amount you would pay per month for a health insurance policy? Are you really getting your money's worth with your current policy? Ask yourself all these questions and talk to your independent agent about the type of policy that best suits you.

Don't settle for insufficient coverage, overly expensive coverage, or a policy that simply doesn't fit your needs. Your independent agent can provide you with live comparative quotes over the Internet, giving you the opportunity to compare and contrast health insurance policy offers from all the major providers.