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Use this checklist as a tool for analyzing health plans.

Health Plan Checklist
  Monthly Premium
    Individual or family, as appropriate
  Deductible (individual or family)
    In network
    Out of network
    Separate hospital deductible
  Co-Payment Rate
    In network
    Out of network
  Special Co-Payments
    M.D. office visit
    Emergency-room visit
    Mental-health treatment
    Brand-name drugs
    Generics
    Other
  Annual Limits
    Days in hospital
    Spending per beneficiary
    Number of visits or service
  Maximum out of Pocket
    Maximum out of pocket
  Lifetime Limit
    Lifetime Limit

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