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What's the best health insurance plans for a husband, wife and 2 small children?

In Oklahoma. Been looking it up but don't know one thing from another about determining the best plan. Any suggestions? Thanks.

In my area there are over 1000 variations of health plans available with numerous companies. Unless you have a lot of time to sit and compare them all you'll be better off to visit a local independent agent. This person knows the market in your area and can find the best plan for your situation. They don't charge you anything for the service and they'll be there to help if you have questions during the application and underwriting process.

Be vary wary of medical discount plans. The people that sell these plans have little or no knowledge about the health care and insurance industries. They have little training and aren't licensed. The plans are not registered with the state so you have little recourse when you have a problem.

If you are tempted by a discount plan get a list of doctors from them before signing up. Make sure the doctors on the list are local. Call some up to verify that they're accepting the plan (most will not have even heard of the plan) and if they're taking new patients. Ask them how much an office visit is both with the plan and without.

A good rule of thumb - if the application fee is greater than $25 you can bet it's a scam. Source(s): Independent Agent

The BEST one is the family plan through your employer - because they'll pick up a hefty chunk of the tab.

If you don't have an employer that offers it, you should go see a local, independent agent, who can get you quotes with several reputable companies WHO HAVE PROVIDERS IN YOUR AREA. It's GOING to cost $800 a month for four people. It JUST is, that's how much health insurance costs.

A cheap insurance plan does no good if the company doesn't write business in your state, or if the local provider is 200 miles away. And a "plan" that's NOT insurance, probably isn't going to make you happy - so beware the "non-insurance" "medical discount" plans. They're the latest scam. And I'm sure there are already offers for them ahead of this answer!
agent, 21+ years