Real answers for your healthcare questions
How do I choose the right individual or family health insurance plan?
Answer
The right plan balances monthly cost with the healthcare you are likely to use. A low premium can be attractive, but a higher deductible, narrow network, or expensive prescriptions may make that plan cost more overall for your household.
What to Know
Compare premiums, deductibles, copays, coinsurance, out of pocket limits, provider networks, prescription coverage, and benefits. For a family, check each person's doctors and medications rather than assuming one plan works equally well for everyone.
What to Do Next
Narrow your choices to plans that cover your important providers and prescriptions. Then estimate total yearly cost under a normal year and a higher use year so you can see the tradeoff between premium and out of pocket exposure.
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