Which Health Plan Should I Get?

This Q&A column addresses questions from real patients about health care costs. Have your own question? Get your answer here.


Question:

My company’s open enrollment period just started, and I have to choose a health insurance plan. Since I’m single and haven’t been to the doctor in years, I’ve always chosen the cheapest option, which offers low coverage. I’m getting older, though, and next year I’d like to take better care of myself, starting with a checkup, without going broke. How can I choose a health plan that’s right for me?

Answer:

First of all, congratulations on taking the initiative to improve your health! Making sure your health care is affordable is a great first step. Choosing the right insurance plan will be simpler for you than for many others because you don’t expect to need a lot of health care next year, but you may find you need more than you think.

For instance, during that first checkup, your doctor may want to order lab tests or refer you to a specialist based on your physical exam. And if you’re truly looking to make a commitment to better health, you may end up seeking out more care instead of toughing out what feel like minor illnesses or injuries.

Finding the right plan will be a balancing act, but I can help you evaluate plan options so you can find the right one for you.