Whether you get your health insurance through your employer,
- The big mistake: Automatically re-enrolling in the same plan year after year.
The remedy: Review all the offerings each year; plan benefits change frequently. Participating doctors are added and deleted, and drug formularies -- the lists of prescription medications a plan covers -- are revised.
- The big mistake: Miscalculating -- or having no idea -- how much you spend on health care.
The remedy: No one has a crystal ball to see into the future, but the amount you and other family members spent on health care this year is a good indicator of about how much you'll spend next year, says
- The big mistake: Picking the plan with the lowest premiums.
The remedy: In addition to premiums, consider the amount of the deductible -- how much you have to spend before the insurance company begins covering expenses. Deductibles can range from about
Credit: From Consumer Report