Private health insurance is something traditionally a lot of people put off until they are older. However, with the introduction of Lifetime Community Rating in May of 2015, anyone aged 35 and older taking out health insurance for the first time will now be penalised. As a result, more young people are considering the benefits and costs of a private health insurance plan. In fact, 80,000 people took out cover as a result of these changes. To help clear up some of the confusing aspects of the insurance market, we asked our in-house health insurance expert what you should look out for when taking out your first private health insurance plan.