between health plans is not as easy as it once was. Although there is
no one "best" plan, there are some plans that will be better
than others for you and your family's health needs. Plans differ in
how much you have to pay and how easy it is to get the services you
need. Although no plan will pay for all the costs associated with your
medical care, some plans will cover more than others.
health plan you will pay a basic premium, usually monthly, to buy the
health insurance coverage. In addition, there are often other payments
you must make. These payments will vary by plan but essentially are
deductibles and co-payments.
"Things to Consider" section of the site, there are some excellent
guides about choosing and comparing health plans.
a list of key questions to consider in selecting the plan that best
meets your needs:
much will it cost me on a monthly basis?
there deductibles I must pay before the insurance begins to help
cover my costs? After I have met the deductible, what part of my
costs are paid by the plan?
doctors, hospitals, and other medical providers are part of the
plan? Are there enough of the kinds of doctors I want to see?
will I go for care? Are these places near where I work or live?
I use doctors outside a plan's network, how much more will I pay
to get care?
there any limits to how much I must pay in case of major illness?
What about limits and deductibles for certain types of care such
as surgery or maternity?
Agency for Health Care Policy and Research and Health Insurance Association