Finance Blog

Stay financially savvy with the Equifax Advisor.

Sign up for our FREE Monthly Email Newsletter


Thank you for signing up for the FREE Equifax monthly newsletter

In addition to keeping in the financial know, you may be interested in checking your credit score and report.

Understand your credit. Help protect your identity.

Equifax Complete™ Premier Plan

  • Know What May Influence Your Credit Score and Be Alerted of Changes
    Credit score monitoring with custom alerts
    Important Disclosure: The Equifax credit score and 3-Bureau credit scores are based on an Equifax credit score model and are not the same scores used by 3rd parties to assess your creditworthiness.¹
  • Help Protect Your Identity
    Automatic fraud alerts encourages lenders to take extra steps to verify your identity²
  • Lock Your Credit
    The ability to lock and unlock your Equifax Credit Report³
Save 75% your first 30 days with the purchase of Equifax Complete™ Premier

$4.95 for the first 30 days, then $19.95 per month thereafter. You may cancel at any time; however, we do not provide partial month refunds.4

¹The credit scores provided under the offers described here use the Equifax Credit Score, which is a proprietary credit model developed by Equifax. The Equifax Credit Score and 3-Bureau scores are each based on the Equifax Credit Score model, but calculated using the information in your Equifax, Experian and TransUnion credit files. The Equifax Credit Score is intended for your own educational use. It is also commercially available to third parties along with numerous other credit scores and models in the marketplace. Please keep in mind third parties are likely to use a different score when evaluating your creditworthiness. Also, third parties will take into consideration items other than your credit score or information found in your credit file, such as your income.

²The Automatic Fraud Alert feature is made available to consumers by Equifax Information Services LLC and fulfilled on its behalf by Equifax Consumer Services LLC.

³Equifax Credit Report Control™ is only available while you have a current subscription to Equifax Complete Premier. Locking your credit file with Equifax Credit Report Control will prevent access to your Equifax credit file by certain third parties, such as credit grantors or other companies and agencies. Credit Report Control will not prevent access to your credit file at any other credit reporting agency, and will not prevent access to your Equifax credit file by companies like Equifax Personal Solutions which provide you with access to your credit report or credit score or monitor your credit file; Federal, state and local government agencies; companies reviewing your application for employment; companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe; for fraud detection and prevention purposes; and companies that wish to make pre-approved offers of credit or insurance to you. To opt out of such pre-approved offers, visit www.optoutprescreen.com/.

4We will require you to provide your payment information when you sign up and we will immediately charge your card $4.95. After that, we will charge the card $19.95 for each month you continue your subscription. You may cancel at any time; however, we do not provide partial month refunds.

Equifax® is a registered trademark and Equifax Complete™ Premier is a trademark of Equifax, Inc. © 2014, Equifax Inc., Atlanta, Georgia. All rights reserved.

Solo Health Insurance Plans: What You Need to Know

Written by Ilyce Glink on September 18, 2012 in Insurance  |   No comments

Going solo on health insurance can be intimidating, but it doesn’t have to be if you break it down. Unlike employer-sponsored plans that have to accept everyone at the same price, private plans in most states base their prices on several factors such as the…

Going solo on health insurance can be intimidating, but it doesn’t have to be if you break it down.

Unlike employer-sponsored plans that have to accept everyone at the same price, private plans in most states base their prices on several factors such as the applicant’s age, weight, smoking status and medical history. This makes individual health insurance harder to find—but not impossible.

Know your needs

“When someone’s looking to purchase coverage on their own, they should look at all their options. Don’t look just at the premium,” said Robert Zirkelbach, spokesman for America’s Health Insurance Plans, a national trade association that represents the health insurance industry.

Don’t start your search without knowing what you need. Ask yourself the following:

  • Is there a particular doctor to whom you want to have continued access?
  • Are there any specialists you frequently see?
  • What medications do you regularly need?
  • Have you been diagnosed with any chronic illnesses?
  • What are your pre-existing conditions?
  • How long will you need this health insurance plan?

Once you know the answers, let your needs guide you in your search.


Check out different health insurance plans. If you are transitioning from an employer plan to your own plan, look into COBRA, the federal law that gives workers and their families the right to continue group health benefits after a job loss. While COBRA will cost more than you were paying while employed, you can continue the same plan and benefits for up to 18 months.

You have a few options to find and compare plans. For example, you can shop around using websites such as eHealthInsurance.com, healthinsurance.org, or HealthPlans.com. While these sites provide convenient ways to shop health insurance plans, you will have to provide personal information to gather quotes. Be prepared to hear from dozens of insurance plans right after you sign up.

If you want someone else to do the legwork for you, contact an insurance broker or agent through the National Association of Health Underwriters. These agents typically work for commission and represent multiple insurance companies. They can solicit plans and rates for you.

Premium versus deductible

Nearly every plan will have both a deductible and a premium. The deductible is the amount that must be paid out of pocket before an insurer will pay any expenses. The premium is the amount paid monthly or annually for coverage. Generally speaking, the higher the premium, the smaller the deductible—and vice versa. You can keep your health insurance costs down by lowering the premium, but prepare to spend more out of pocket for emergencies or procedures if you do so.

The most basic health insurance plans will offer coverage for medical emergencies, leaving you to pay for basic costs like doctor visits and medication. For some people, it may be cheaper to pay out of pocket for those expenses in order to save money on the cost of health insurance.

Know your plan

The best advice is often the simplest: Read the fine print, dredge through all the details, ask questions, and understand all terms. Make sure to:

  • Compare each plan in regard to how it will address your list of needs.
  • Find out the process for how you will receive benefits at a doctor’s office and in an emergency.
  • Understand your deductible (or deductibles—some plans have more than one).
  • Ask about rate increases as you age.
  • Find out if there is a cap to how much your insurance will pay.

“Make sure you know exactly what your health insurance provides,” Zirkelbach said. “The more information you know about the plan, the better off you are.”

Ilyce Glink is a best-selling author, real estate columnist, and web series host. She is the managing editor of the Equifax Finance Blog and CEO of Think Glink Media. Follow her on Twitter: @Glink

The information contained in this blog post is designed to generally educate and inform visitors to the Equifax Finance Blog. The blog posts do not give, and should not be assumed to provide, personalized tax, investment, real estate, legal, retirement, credit, personal financial, or other professional advice. Before making any financial decision, you should always consult with the appropriate professionals who can explain your options, rights, and legal responsibilities, and advise you on any tax, legal, credit, or business implications that may result from those decisions. The views and opinions expressed by the authors of blog posts are their own views and may not be the views or opinions of Equifax, Inc. and/or its affiliates.

No comments yet

Leave a Comment

Name :

Commenting guidelines

We welcome your interest and participation on this forum, but be aware that comments will be published at Equifax's sole discretion. Please don't use this blog to submit questions or concerns about your Equifax credit report or raise customer service issues. Instead, you should contact Equifax directly for all such matters and any attempts to do so in this forum will be promptly re-directed.

Some other factors to consider when commenting:
  1. Registration and privacy. While no registration is required to visit our forum, participants wishing to post a message must register by creating an account. All personal information provided by forum members incident to registration is governed by our Terms of Use and Privacy Policy.
  2. All comments are anonymous. We'll delete your name, e-mail address, and any other identifying information, including details about your investments.
  3. We can't post or respond to every comment - As much as we'd like to, we can't post every comment, nor can we guarantee that we will respond to each individual message. All questions or comments about your Equifax credit report or similar customer service issues should be handled by contacting Equifax directly.
  4. Don't offer specific legal, tax or financial advice. All of the materials on this Site are for information, education, and noncommercial purposes only and this forum is not intended as a means of expressing views or ideas regarding any specific legal, tax, or investment advice. While offering general rules of thumb is both permitted and encouraged, recommending specific ideas or strategies regarding investments, taxes, and related matters is prohibited.
  5. Credit Repair. This blog is not intended as a venue for the discussion or exchange of ideas regarding credit repair or other strategies intended to assist visitors and community members improve or otherwise modify their credit histories, ratings or scores.
  6. Stay on topic. Your comment should be concise and pertain to the specific post in question.
  7. Be respectful of the community. The use of profanity, offensive language, spam, and personal attacks will not be tolerated and egregious or repeat offenders will be banned from future participation. We encourage disagreement and healthy debate, but please refrain from personal attacks on our WordPresss and contributors.
  8. Finally: Participation in this forum may be terminated by Equifax immediately and without notice for failure to comply with any guidelines or Terms of Use. As such, you should familiarize yourself with all pertinent requirements prior to submitting any response through the blog or otherwise. All opinions expressed in this forum are solely those of the individual submitting the comment, and don't necessarily represent the views of Equifax or its management.

Equifax maintains this interactive forum for education and information purposes in order to allow individuals to share their relevant knowledge and opinions with other members and visitors. We encourage you to participate in discussions about personal finance issues and other topics of interest to this community, but please read our commenting guidelines first. Equifax reserves the right to monitor postings to the forum and comments will be published at our discretion. Do you have questions or comments about your Equifax credit report or customer-service issues regarding an Equifax product? If so, please contact Equifax directly. All opinions and information expressed or shared in blog comments are solely those of the person submitting the comments, and don't necessarily represent the views of Equifax or its management.

Insurance Archive