[Neha]

It is very important, please, be a contributor..

[Charlotte]

The basics – look to see if you docs, hospitals and meds are covered. Look at the total cost including out-of-pocket maximums, not just premiums. Ideally I like a plan that has a co-pay as opposed to co-insurance.

This year we went with co-insurance and so far it’s working out.

[Lea]

I’m not sure where you live, but in California the application workflow is not well designed and very opaque (ie, some questions are unclear and you don’t realize you made a mistake until you’ve already submitted it, so then you have to call them to get it fixed).

As far as picking a plan, just compare the costs and plan details like you would if you were picking from a selection of company sponsored plans. And be prepared for insanely high premiums for terrible coverage.

[Author]

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