When it comes to insurance, you should consider all the costs associated with your plan – from premiums (the fixed amount you pay for the policy) to out-of-pocket expenses like copayments, deductibles and coinsurance. Whether you’re shopping for an individual or group plan, there are many important factors that can affect your insurance coverage. For example, if you have a favorite doctor, be sure to find out if they are included in the plan’s network. Choosing a plan with doctors in the network can reduce your costs, especially if you need to get referrals from a primary care physician (PCP) for specialists.