When looking for health insurance quotes it is important you know what you are getting. Ask these questions and be sure to understand the answers. You need to know how much the lifetime or yearly cap is on the insurance payments. You also want to know how much you need to pay before insurance will pay anything, this is known as the deductible. The third most important question is if you can choose your doctor or if you have to pick a doctor from their network for them to pay for the bills. The last is to find out what your co-pays are for each visit. Get all the info you need to make an informed decision.