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Insurance companies are not in the business of making comparisons among plans easy. They want to sell you a product that will maximize their profit. That's why many employers are now switching insurance plans, increasing the percentage that employees pay, reducing or "tiering" drug formularies and sometimes providers, and varying the co-payment and deductible amounts. Consumers should understand what health care they expect to need in the next year, then read the contract. Make sure services that you need will be included. For instance, if someone in your family goes to a particular specialist, make sure that doctor is on the provider panel of the health plan. That way you won't suddenly be paying out of pocket for a doctor with whom you have a long relationship.
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