Looking for individual health insurance for the first time ever? I probably know exactly how you feel. This can all be pretty overwhelming at first, just as it was for me when I first had to begin looking for a policy for myself.

While I could have gone with COBRA for 18 months and worried about finding an individual plan later, I ultimately decided that it wasn’t worth doing this. COBRA was very expensive (over $400 per month for just me) and I couldn’t really afford something like that since I was going self employed.

I eventually decided that I’d need to find something as far as individual plans go, so I started looking around. I contacted a local agent to see if he had anything available, but the options seemed rigid and didn’t exactly give me what I needed.

I decided to bring my search to the web, since you can buy just about anything online. At this point, I was beginning to feel better about things since there was a lot more available.

I’m really glad that I found my coverage online, but I came close to making some blunders that really would have thrown me off. I could see someone else in the same situation, so I’d like to give you a few helpful pointers to abide by.

First of all, you’ll want to make sure that any pre-existing conditions will be covered if you take medications for them. Sometimes you might have to pay a higher premium, but it’s better than having no coverage for those things at all.

Secondly, you’ll want to make sure that your preferred doctors are on the network, or else you might have to come out of pocket for visits to them.

Lastly, make sure that you’re covered out of state should anything come up. The last thing you want is a huge medical bill for something that happened while you were traveling.

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The basketball season has had some interesting twists so far and many people have been off with their initial predictions to say the least. The Cavs and Lakers aren’t dominating their opponents, and I think I know the reasons. Let’s take a look at the best teams in the league to see where they’re at right now.

Sure, a lot can change over the course of the season and it probably will. Still, I have some strong opinions about the state of the league right now and some of the teams that many predicted would dominate.

All due respect to some of the players that I’m about to put down, but I’m simply stating my opinions here. I believe that a player can be great on paper, and possibly a great fit for certain teams, but there are three players who’ve all flocked to elite teams this season, and I believe that none of them are the types of players who win their teams games. In fact, I believe just the opposite.

In Los Angeles, I think the Lakers were better off with Trevor Ariza than they were with Ron Artest. The conventional wisdom would say the Artest is the better player, but I disagree.

He made the Kings worse when he went to Sacramento, and the jury’s still out on Houston. However, the Lakers don’t look as strong this season as last, and I believe that’s why.

Then there are the Cavs. Shaq is a different story than Artest, as he has a great attitude and wants to win. Unfortunately, I think he just throws off the team’s rhythm and his presence in the middle might not be so good for the team. Their record so far would indicate this too.

With the Magic, I’m just not a fan of Vince Carter. I loved him during the earlier part of the decade, but I think that his best days were behind him and I do think that Hedo Turkoglu was a better fit for the team.

The only team that I think got it right with its major acquisition was Boston. Rasheed Wallace plays his heart out, and was a huge contributor to the Pistons. It’s no wonder the Celtics are still undefeated.

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