How to Choose the Right Health Insurance Plan Without the Headache

Robert Routt
Aug 12, 2025
2 min read

Shopping for health insurance can feel overwhelming—so many options, confusing terms, and the pressure of making the right choice for your health and budget. But with a little guidance, the process doesn’t have to be stressful.

At Routt Insurance, we help individuals and families find plans that truly fit their needs—without the guesswork.

1. Start With Your Priorities

Ask yourself:

Do you need coverage for regular prescriptions?
Are your doctors in-network?
Are you mostly healthy or managing a condition?

Knowing what you use most helps narrow the field fast.

2. Understand the Plan Types

Here’s a quick breakdown:

HMO: Lower cost, but you need referrals and in-network doctors.
PPO: More flexibility with higher premiums.
EPO: In-network only, but no referrals needed.
High-Deductible Plans: Lower monthly cost, best if you rarely go to the doctor.

3. Don’t Just Look at the Premium

The monthly price is important, but so are the deductible, copays, and maximum out-of-pocket costs. Sometimes a higher monthly premium means lower costs when you actually use your insurance.

4. Check for ACA Subsidies

You might qualify for financial help that lowers your monthly premium. At Routt Insurance, we calculate your subsidy for free and help you apply for the best plan based on your income.

5. Work With a Local Expert

Licensed agents (like us!) can help you compare multiple plans at once—at no extra cost to you. We’ll walk you through the fine print and make sure you’re not paying more than you need to.

6. Mark Key Enrollment Dates

ACA Open Enrollment: Nov. 1 – Jan. 15
Medicare Annual Enrollment: Oct. 15 – Dec. 7
Special Enrollment Periods (SEP) are available for qualifying life events like moving or losing coverage.

Final Takeaway

Your health coverage is one of the most important financial decisions you’ll make.If you live in Clearwater or nearby, I can help you compare plans, understand the fine print, and make sure you get the right coverage—without overspending.

📞 Call: (727) 513-8338📩 Visit: routtinsurance.com