You can buy your own health insurance in the private health insurance market. Zirkelbach advises shopping around and taking a careful look at what you're buying, including:
Co-payments: a dollar amount you're expected to pay for doctor visits or prescriptions
Co-insurance:
a percentage of medical bills that you're responsible for
In-network and out-of-network doctors:
If you have a specific doctor in mind, ask the doctor's office or the health insurance company if that doctor is in the company's network of physicians.
Formularies: Find out if your medications are covered and what you would pay for them.
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