When it comes to choosing health insurance, there are several factors to consider. It’s important to choose a plan that meets your needs and fits your budget. Below we will go over eight things that you should always consider when choosing health insurance.

  1. Coverage

Make sure you understand what is and is not covered by the plan you are considering. Look at the deductibles, copayments, and coinsurance to get an idea of what out-of-pocket costs you might incur. Consider whether the plan covers preventive care and what the limits are on things like hospital stays and prescription drugs.

  1. Network

Check to see if your preferred healthcare providers are in the plan’s network. If you have a regular doctor or specialist you see, you’ll want to make sure they are covered under the plan you choose.

  1. Cost

Consider the monthly premium as well as any out-of-pocket costs you may incur. Determine how much you can afford to pay for health insurance and look for a plan that fits within your budget.

  1. Type of plan

There are several types of health insurance plans to choose from, including HMOs, PPOs, and high-deductible plans. Consider which type of plan best fits your needs and budget.

  1. Out-of-pocket maximum

This is the maximum amount you’ll have to pay out-of-pocket for covered healthcare expenses in a year. Make sure to choose a plan with an out-of-pocket maximum that you can afford in case you need significant medical care.

  1. Prescription coverage

If you take prescription medications, make sure the plan you choose covers them or has a reasonable copayment.

  1. Flexibility

Consider whether the plan allows you to see providers outside of the network, or if you have to get a referral to see a specialist.

  1. Customer service

Check the company’s reputation for customer service. If you have questions or need assistance, you’ll want to know you can easily get in touch with someone who can help.


Choosing the right health insurance plan takes some research and consideration. Make sure to review all of your options and choose a plan that fits your needs and budget.