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Annual Open Enrollment

THREE STEPS TO CHOOSING A HEALTH INSURANCE PLAN

Download printable version of this page (pdf)

All health plans have trade-offs.  You must decide what is most important to you based on your own personal needs.  The information on this site is provided as a tool to help you make your decision.  It is designed to be used together with the Health Plans comparison sheet (pdf).

STEP ONE

Do the math.  Consider premiums, deductibles, co-insurance, etc.  Estimate what your out-of-pocket medical expenses for the following year could be for each health insurance plan you are considering.

To make your estimate as accurate as possible, consider the lifestyle/family status and financial status factors listed below.  It may be wise to do both an estimate based on an average of your past medical care and an estimate with a higher usage of medical care. This will give you a range of what your expenses could be.  This estimate (less premium costs) will also be useful in determining if a health care Flexible Spending Account is appropriate for you, and if so, what your annual contribution should be.

Lifestyle/Family Status Factors to Consider When Estimating Future Medical Expenses

Financial Factors to Consider When Estimating Future Medical Expenses

STEP TWO

Consider the provider access issues below (also keep in mind the Lifestyle/Family Status Factors). 

UIChoice covers any provider – Level 1 and 2 providers can lower your out-of-pocket costs, as can BC/BS providers (especially when out of state). The CHIP plan covers any provider, but again, BC/BS providers can lower out-of-pocket expenses.

STEP THREE

Weigh your estimates of the possible out-of-pocket costs for the plans you are considering against any provider access issues.  Make your decisions based on the factors that are the most important to you. 

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