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Elo comments on Open Thread May 23 - May 29, 2016 - Less Wrong Discussion
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I am starting to look at the health insurance market.
This is a human-level search: where do I find the basic considerations to evaluate everything else with? Do you know of a good resource?
In any particular geographical or topical area?
Australia, NSW. I am a young and healthy person with no existing conditions, also good vision and no wisdom teeth. (looking to get health insurance)
It seems that it varies from just hospital, through to full associated cover including money back for having a gym membership, massage and more. I am hesitant because it seems that I would pay more for that than I would otherwise pay for services that I would use (as a healthy young person right now).
In your situation, in Australia, it's mostly about forward planning. Do you have any foreknowledge of likely changes in your health or family situation?
The insurance market in Australia has historically been pretty poor in terms of transparency and easy comparisons. I'm sure you've found the various compare-policy tools online. I'm assuming you don't want to piggyback on a family policy.
Are you looking for more data, or a list of considerations for insurance planning? If it's the latter, try browsing around insurance industry planner websites for their policy documents. I can probably get some friends in the industry to email me more comprehensive things if you want to work of their approaches.
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