* How comprehensive do I want coverage of health care services to be?
* How do I feel about limits on my choice of doctors or hospitals?
* How do I feel about a primary care doctor referring me to specialists for additional care?
* How convenient does my care need to be?
* How important is the cost of services?
* How much am I willing to spend on premiums and other health care costs?
* How do I feel about keeping receipts and filing claims?

You might also want to think about whether the services a plan offers meet your needs. Call the plan for details about coverage if you have questions. Consider:

* Life changes you may be thinking about, such as starting a family or retiring.
* Chronic health conditions or disabilities that you or family members have.
* If you or anyone in your family will need care for the elderly.
* Care for family members who travel a lot, attend college, or spend time at two homes.

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