Guide to Choosing Health Insurance (with Spreadsheet)

Choosing health insurance can be confusing, especially when you compare traditional plans with high deductible health plans (HDHPs). Buying insurance on the open market and comparing employer-sponsored plans taught me that choosing the perfect policy for varying health scenarios is impossible.

Still, I’ve learned that I can make a reasonable guess on the plan that might work best for my family. Here are some steps I’ve taken to clarify the pros and cons of health plans available to me: