Getting the right plan for you and your family boils down to understanding your projected medical needs for the next year, calculating your income, and then finding the plan that has both a premium that fits your budget as well as out-of-pocket costs that won’t break the bank. For folks with access to cost assistance, getting a plan with a low premium can be attractive and is often the right move. However, simply looking at the premium alone won’t always get you the right plan.
FACT: Most people’s medical expenses will be doctor office visits, therapists, and prescriptions. Many plans cover all these with copayments. These services could easily run to $5,000 or more a year before insurance. This could mean a big difference between plans that have $10 copays and those that have $40 copays.
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