Anyone with employer-based health insurance should be taking some time now to review what their options are so they are ready when the time comes to commit to a specific plan.

Justin Held from the International Foundation of Employee Benefit Plans knows what to look for and recently spoke with HiFi News anchor Erika Grotto, where he described a five-step process.

Step 1: Review each plan

“The first step obviously is read your enrollment materials,” Held said. “It’s very important.”

The enrollment documents will explain the differences between the types of plans available. They’re going to offer a comparison of coverage levels, out-of-pocket costs and any other costs that you might expect to incur.

Step 2: Do the math

The second step is the most difficult step – doing the math to proj

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