How to pick a health insurance plan in 5 steps
Don't pick on premium alone. Estimate your total yearly cost: premium plus likely out-of-pocket spending based on how much care you actually use.
The five steps
- List your doctors and prescriptions.
- Check each plan's network and drug formulary.
- Add premium + expected deductible/coinsurance.
- Compare out-of-pocket maximums.
- Factor in HSA eligibility and employer contributions.
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