How to Choose a Health Insurance Plan

Premium is only half the picture

It is tempting to pick the lowest monthly premium, but the deductible, copays, and out-of-pocket maximum matter just as much. A low-premium, high-deductible plan can cost more overall if you use a lot of care; a higher-premium plan can be cheaper if you have regular medical needs.

Think about how much care you actually expect in the year, then compare the total likely cost, not just the premium.

Check networks and prescriptions

Before you choose, confirm your doctors and preferred hospitals are in the plan network, and that your prescriptions are covered at a reasonable cost. A plan that looks cheap but drops your specialist or your medication is not a bargain.

• Are your doctors and hospitals in-network?
• Are your prescriptions on the formulary, and at what tier?
• What is the deductible and out-of-pocket maximum?
• Is a subsidy available to lower the premium?

Where a licensed agent helps

This comparison is exactly what a licensed agent does for free. We line up the plans that fit your budget and needs, check networks and drugs for you, and flag the trade-offs, so you choose confidently instead of guessing on a website.