The Top 9 Best Health Insurance Plans for You

7) Have a budget in mind when comparing plans

Even with health insurance, you can still be on the hook for big medical bills. It’s important to pick a plan that covers as much as possible—but how do you determine which plans are best? While premium price tags are one way to measure coverage, other factors come into play when you start comparing plan features and benefits. Keep in mind that your own needs, preferences and budget may trump what’s listed below: One person’s gold plan might be another person’s bronze plan!

8) Talk to your employer about their benefits program

Most employers offer some form of health insurance to their employees, and it’s important that you take advantage of it. Not only is an employer plan generally better than a privately-purchased plan, but you may be able to get a lower rate if your employer negotiates with providers on your behalf. The first step in figuring out what sort of coverage you have (and how much it costs) is talking to your company’s benefits administrator.

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