4. Do you take any medications? Many health insurance plans include prescription drug coverage. But, if you don't take any medications, having a health insurance policy that covers prescriptions may be a waste of your money. If you do take medications, make sure that the plan you purchase has enough benefits to it to make it worth the added cost to have prescriptions included in the plan.

5. Do you travel much? If you travel a lot you may want to look for a plan that doesn't require you to stay within a network. The insurance benefit that a company pays out is always better if you can stay within that company’s network. Some companies use nationwide networks while others may use more localized networks. Temporary health insurance for travel is something you can purchase when you need it.

6. Are you self-employed? Self-employed people will likely have different needs than people who work for a large company. It is important to make sure your insurance policy will cover you while you are working. Not all of them will!

7. Do you plan on having children? Maternity coverage is very expensive to add to a policy. Nearly all health insurance companies require you to have a policy in force with them for at least nine months prior to becoming pregnant. If you become pregnant before the end of the waiting period, the insurance company will not cover the pregnancy or the delivery.

8. Are there any medical conditions that are considered "pre-existing"? Most health insurance will have some very strict guidelines for covering pre-existing medical conditions. However, many of the discount programs and the guaranteed acceptance discount programs have no waiting periods or pre-existing condition exclusions. These may be a good option for you. This depends largely on what the condition is and how urgent the need for care is.