Whether you're choosing between an employer insurance plan or shopping for a private health insurance policy, it is important to compare premium costs and outline items that are essential how you will need to use your insurance. If you're single, young healthy, you may want a plan with the cheapest premiums and higher deductibles and copays, If you have children and/or planning to grow your family you'll want something that covers routine office visits, prenatal care and emergency room visits. If you're over 55, you may want insurance that gives you complete access to surgeons and specialists.

AETNA: Whatever your personal priorities or budget, we have the products to meet your needs. Because we are a specialist with over 35 years of experience, you can be assured we will always be available to help you and your family - no matter where in the world you may be. Why choose Aetna? Powerful - we are one of the leading providers of international medical insurance, with over 500,000 members.

BLUE CROSS/ BLUE SHIELD: Providing local solutions that improve access to affordable, quality healthcare, each of the 38 independent and locally operated Blue Cross and Blue Shield companies deliver health insurance coverage for 100 million members across all 50 states, the District of Columbia and Puerto Rico.

KAISER PERMANENENTE: At Kaiser Permanente, physicians are responsible for medical decisions. The Permanente Medical Groups, which provide care for Kaiser Permanente members, continuously develop and refine medical practices to help ensure that care is delivered in the most efficient and effective manner possible.

REGENCE: Regence is a nonprofit health care company. We offer individual and group medical, dental, vision and life insurance, Medicare and other government programs, and pharmacy benefit management. We are the largest health insurer in the Northwest/Intermountain Region, serving members as Regence BlueShield of Idaho, Regence BlueCross BlueShield of Oregon, Regence BlueCross BlueShield of Utah and Regence BlueShield (in Washington). Each plan is an independent licensee of the Blue Cross and Blue Shield Association.