How To Get The Best Health Insurance Rate? 
There are many steps you can take to get the lowest available health insurance rate . Of course , working with an experienced health insurance broker could potentially save a large amount of money and enrollment time . Here 's why : The calculation of your federal subsidy is critical to understanding which available plans are best for your specific circumstances , and which plans will be the least expensive . For example , cost-sharing `` Silver '' Exchange options are a hidden gem that many inexperienced navigators and brokers may not be aware of . Also , if you miss Open Enrollment or need to buy an `` off-Exchange '' plan , there are specific policies that will work best for you . It 's critical to accurately compare prices and understand why certain plans are the best options . 