5 Common Mistakes People Make When Choosing Health Insurance (and How to Avoid Them)

Choosing the right health insurance plan can feel overwhelming. With so many options, it’s easy to make costly mistakes that could impact your health and wallet. Let’s break down the 5 most common errors — and how you can avoid them!

1. Only Looking at the Monthly Premium

• Many people focus only on how cheap the monthly payment is.

• Mistake: Ignoring deductibles, copays, and out-of-pocket maximums.

• Tip: Always look at the total cost of care, not just the premium.

2. Not Understanding the Network

• Some plans limit which doctors or hospitals you can use.

• Mistake: Choosing a plan where your preferred doctor isn’t covered.

• Tip: Always check the network list before enrolling.

3. Ignoring Prescription Coverage

• Medications can be expensive without the right coverage.

• Mistake: Picking a plan that doesn’t cover your prescriptions.

• Tip: Review the plan’s formulary (list of covered drugs).

4. Assuming All Plans Are the Same

• Every plan has different benefits, even if they sound similar.

• Mistake: Choosing the cheapest or most familiar brand without comparing details.

• Tip: Compare benefits, copays, networks, and customer service.

5. Missing Enrollment Deadlines

• Health insurance isn’t something you can buy anytime.

• Mistake: Missing the Open Enrollment or Special Enrollment period.

• Tip: Mark important dates and work with a licensed agent (like us!) to stay on track.

  
  Avoiding these mistakes could save you thousands — and give you peace of mind.
  Need help finding the right health insurance plan?
  Call TrulyCare Insurance Broker today at (786) 502-0219 for a free, no-obligation consultation!
  👉 Or click here to request a quote!