What will my out-of-pocket expenses be?

Pay close attention to the plan's deductible – the amount you pay before insurance kicks in – as well as maximum out-of-pocket costs.

It's also important to pay attention to the co-payment, or the fixed amount you'll pay for a covered healthcare service.

Many preventative care services, including Type 2 Diabetes screening, HIV screening, diet counseling and vaccinations and more, may be covered for no extra charge by your health plan when provided by a network provider. Check your plan to make sure.