It all comes down to your specific scenario, and what’s most important to you. Once you identify these factors, then you can start comparing options.

Overall costs for the year

Adding up all the cost factors of a plan is a good way to begin comparing plans in a useful way. Consider premiums, deductibles and copays as you add up anticipated costs throughout the year.

Network access

Do you have a doctor you love already? If so, you’ll want to make sure your doctor is in network for the plans you are considering.

Your own life situation.

Depending on your situation (e.g. income, job status, health needs, age), there are a number of options designed to get you coverage that works for you.

Your own health

How’s your health? If you anticipate using services heavily throughout the year, you may want to consider plans with lower deductibles and out-of-pocket limits (which may mean a higher premium). If you don’t anticipate needing a lot of care during the year, you may look for lower premium costs (which may mean higher deductibles and out-of-pocket limits).