How to choose a health plan during open enrollment
Estimate your year, compare total costs, and check your doctors and drugs.
-
1
Estimate your year of care
Think about expected visits, prescriptions, and any planned procedures.
-
2
Compare total cost, not just premium
Add the premium to likely out-of-pocket costs for each plan.
-
3
Check your doctors and drugs
Confirm your providers are in-network and your medications are on the formulary.
-
4
Check subsidy eligibility
On the marketplace, see whether you qualify for premium tax credits.
-
5
Confirm the out-of-pocket maximum
This caps your worst-case spending for the year.
Educational content only — not legal, financial, or insurance advice. Requirements vary by state.