Also, check out the plan’s provider network to make sure your preferred doctors are included in it. Otherwise, you might face extra costs or have to switch doctors which can disrupt long-standing doctor-patient relationships and lead to unnecessary stress. If you expect to visit the doctor frequently and take medication regularly, consider a plan with lower monthly premiums but higher out-of-pocket maximums. This will give you peace of mind that your health insurance will cover the bulk of your care.