The choices can be overwhelming! The best health insurance plan for you is the one that gives you the value based on a number of considerations.

1. What copays, deductibles, and coinsurance requirements apply?
2. How much freedom do you have to choose your own health-care providers?
3. Does the plan cover the health services that you need?
4. Does the plan cover the health-care providers you are currently using?
5. Does the plan offer family, as well as individual, coverage?
6. Does the plan cover pre-existing conditions? If so, is there a waiting period?
7. Does the insurance company have a good reputation in the industry and a positive rating from a major ratings organization? (Contact your state's department of insurance for more information.)