5 Important Factors to Consider When Choosing a Health Insurance Plan [infographic]
Posted December 1, 2025
When you’re picking out a health insurance plan, whether for yourself or your family, it can be hard to determine which one is the best one for your situation. At Legacy Insurance Partners, we want to help guide this decision and encourage you to think about these factors prior to signing up for a new plan:
- Your Monthly Premium—Your monthly premium is how much you will pay every month for your health plan, whether you use your insurance or not. Keep in mind that lower premiums often mean higher out-of-pocket costs when you need care.
- Your Deductible—The amount you pay out of pocket before your insurance begins to cover costs is your deductible. While higher deductibles can lead to lower premiums, it may cost more when you seek healthcare.
- Benefits Coverage —Will your essential needs be covered under the plan you’re considering? Look for extras like telehealth, wellness programs, coverage for prescription drugs, or dental/vision add-ons.
- Provider Network—Make sure your preferred doctors, clinics, and hospitals will be in-network. Out-of-network can be much more expensive or in some cases, not covered at all.
- Out-of-Pocket Maximum—Your out-of-pocket maximum is what you will pay in a year before your insurance covers 100% of your costs. This is a critical number to consider in case of serious illness or accidents.
Contact us today to explore your health insurance options with the guidance and support of our insurance experts.