A useful health insurance review starts with the care you expect to use and the providers you want to keep.
Compare total costs
A monthly premium is one part of the cost. Consider deductibles, copayments, coinsurance and out-of-pocket limits as you compare coverage.
Check access to care
Provider networks and prescription drug coverage can differ between plans. Check the exact plan, not just the insurance company’s name. Marketplace metal categories describe cost-sharing levels, not the quality of care.
Bring your priorities
- Doctors, hospitals and prescriptions you want to check.
- People in your household who need coverage.
- Your current coverage and any expected changes.
- What you can afford monthly and when you receive care.
Approaching Medicare eligibility?
Review Medicare enrollment timing before replacing or ending existing health coverage.