HOW TO CHOOSE HEALTH INSURANCE

When choosing a plan, it's a good idea to think about your total health care costs, not just the bill (the "premium") you pay to your insurance company every month.

Other amounts, sometimes called "out-of-pocket" costs, have a big impact on your total spending on health care - sometimes more than the premium itself.

Your total cost for health care: premium, deductible, and out-of-pocket costs.