4. Identify your needs: Different policies offer varying benefits, cost-sharing structures and access to physicians. Will the plan let you see your current doctor? Does the plan provide easy access to the specialists you need? Does the plan cover the prescription drugs you currently require? Does the fee structure fit into how frequently you need to see a doctor? By answering these questions ahead of time, you can make sure any plan you choose covers only the services that you need, in order to avoid paying more than is necessary.
5. Change your deductible: If you've identified the type of plan that fits your needs but the premium is still more than you can afford, consider boosting the deductible on your policy. A higher deductible means more out-of-pocket expenses for some services, but lower monthly premiums.
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