These are tips that you can consider at time of application or anytime - even if you had had a plan in place for years. 1) Buying at the youngest age and while in a residency or fellowship program is always going to link you to the most in discounts. If you are still shopping for coverage, consider looking at plan options before you leave your current program, especially if you plan to move. Then focus on #2 below. 2) Be mindful of the fact that securing your plan in a state