2. Know the Options of Plans

Know what the different health insurance plans provide for. There are many different health insurance plans.

Health Maintenance Organization (HMO): you will be required to choose a primary care physician and to see a specialist, you have to go through a referral process; the premium is often slightly lower, but flexibility will be limited to who their provider will be.
3. Check the Networks of Providers

Ensure that your preferred doctors, specialists, and hospitals feature in the plans you're comparing. Jumping networks without a guide may send you paying significantly more due to overage. Insurance companies usually post an online list of their networked providers.

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