5 Common Mistakes to Avoid When Choosing Health Insurance
Mistake 1: Letting the Lowest Premium Win By Default A $420 premium can look fantastic until you see the $4,500 deductible and skinny specialist list. Build a simple scenario. Two primary care visits, one urgent care, one specialist consult, and a common generic. Price that out for each plan. The plan with the slightly higher premium often wins once you add real usage. Mistake 2: Skipping Network Verification Do a provider match before you sign. Ask three employees to share their current primary care doctors and top specialists, then check in network status. If two out of three lose their doctors, expect noise and delayed care. It’s not dramatic to say a poor network match creates avoidable out-of-pocket costs and lots of frustration. In this section, it helps to ground choices in actual plan names while you evaluate small business health insurance Florida , so your shortlist reflects real access and not just brochure language. Mistake 3: Overlooking Tax-Friendly Tools ...