Consider any special health care needs you may have in the near future
What would you pay under the plan?______________________

What about accidents and unexpected illnesses?______________________

Consider savings plans
If the plan has any features like a health savings account or a flexible spending account, what are the rules?______________________

Do they make sense for you?______________________

As plans with HSAs have higher deductibles, they're cheaper for employers. Does your employer pass on those savings by contributing to the account?______________________

Examine the health insurance company
If there's a list of preferred providers, are your doctors on the list?______________________

Which hospitals can you use?______________________

Are they close to home?______________________

How difficult is it to see a specialist or get a second opinion?______________________

• Would you need a referral?______________________

Does the plan cover preventative care?______________________

Does the plan cover extras such as eye care or chiropractic visits?______________________

If you've gone more than 63 days without coverage, how long would the policy exclude any existing problems?______________________ One year is the maximum.