Your checklist to choosing a plan that meets your needs.
Ready to shop for a 2025 health insurance plan? Before you do, consider some of these important reminders to ensure you’re confidently navigating the world of health insurance.
With a little preparation and knowledge, you’ll be ready to choose a plan that checks all the boxes for your unique needs and budget.
Start with a review of this year
Take a look back at your family’s health needs over the past year. Which medical care did you use? Were there any unexpected medical expenses? This will help you identify what you need in a health insurance plan and what you can expect in the coming year.
Look ahead to next year
Next, consider any changes that may have occurred in your health or lifestyle over the past year. Have you welcomed a new family member or moved to a new address? Are you managing a new medical condition? These factors can impact the type of plan you need.
Set a budget
Health plans vary in coverage. Higher premium plans usually mean more coverage and fewer out-of-pocket expenses. People with ongoing health needs may prefer this type of plan. Alternatively, those who are healthy with few medical needs may prefer a lower-premium plan. A rough budget can help you narrow down your options.
Explore financial assistance options
You might be eligible for financial assistance to help cover the cost of your health plan. In fact, 4 out of 5 people qualify for a subsidy that can keep monthly payments under $10.(1) Exploring your options can help you save money toward your monthly premium.
Identify your must-haves
Make a list of the essential features you need in a health plan. Do you have specific prescriptions that must be covered? Are there particular doctors, hospitals, or services you require? Knowing what you need will help you choose a plan that meets your unique requirements.
Gather essential information
Before you start shopping for a plan, make sure you have all the necessary information at your fingertips. This includes the names, mailing and home addresses, and Social Security numbers of everyone you’ll be covering under your plan.
Selecting a health plan is an important decision. But with the right preparation and guidance — and this handy checklist — it doesn’t have to be overwhelming.
Learn more about how health insurance works at GetCoveredFlorida.com.
If you need help, you’re not alone. Florida Blue has been serving the state for almost 80 years and is the only insurer offering health plans in every county of Florida. Connect with a local licensed Florida Blue agent, visit your neighborhood Florida Blue Center, or call 1-800-876-2227 for help finding the right plan and making sure you get the financial help you qualify for.
(1)https://www.hhs.gov/about/news/2022/06/22/fact-sheet-what-happens-premiums-if-extra-help-american-rescue-plan-expires.html
