Premiums, deductibles, provider networks and drug coverage can change from year to year, whether you get your insurance through your employer or on your own. Compare all of your options, and examine overall costs for the medications and care you usually need, not just premiums.
It’s particularly important to shop around if you buy coverage on the exchanges. Insurers are opting in and out, boosting premiums and deductibles, and shrinking provider networks. You’ll have less time to choose a plan this year: Open enrollment for individual health insurance runs from November 1 to December 15, rather than until January 31.