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ACCOUNT FOR COSTS BEYOND PREMIUMS

Americans spent $3.3 trillion on healthcare in 2016, or $10,348 per person, according to the Centers for Medicare & Medicaid Services. Of that, out-of-pocket costs accounted for $352.5 billion.

Premiums are only one of many factors that determine the cost and value of a plan’s coverage. A low premium might be offset by high copayments for visits to providers, for instance. So, you shouldn’t select a plan based on a bargain-basement premium alone. Instead, examine exactly how you’ve used healthcare in the past to pick the best plan for you.