Check whether your doctors, hospitals, and clinics are in-network
Compare monthly premiums
Compare deductibles
Compare copays and coinsurance
Check the out-of-pocket maximum
Review prescription drug coverage
Confirm coverage for specialist visits, urgent care, and emergency care
Check whether your regular medications are covered
Review mental health, maternity, dental, and vision coverage if needed
Compare plan types such as HMO, PPO, EPO, and POS
Check referral requirements and prior authorization rules
Estimate your total yearly cost, not just the premium
Consider how often you use medical care
Review coverage for travel, out-of-state care, or telehealth if relevant
Check the plan’s provider network size and quality
Review customer service and claims process reputation
Make sure the plan fits your budget and health needs