A Millennial’s Guide to Choosing Health Insurance: Which Plan is Right for You?

Quiz: Which Health Plan Design Best Fits You?

Answer the following questions to see which suggested plan may be a good fit.

Questions:

  1. How frequently do you go to the doctor?
    a. Often
    b. Sometimes
    c. Never
  2. Are you physically active?
    a. No
    b. Moderately
    c. Yes
  3. Would you consider yourself to be in good shape?
    a. No
    b. Somewhat
    c. Yes
  4. Are you thinking about starting a family next year?
    a. Yes
    b. Maybe
    c. No
  5. Are you prescribed medications?
    a. Three+
    b. One or two
    c. None
  6. Could you cover an unplanned medical cost up your deductible?
    a. No
    b. Yes, but it would cause stress.
    c. Yes, not a problem.

Results:

If you answered mostly As: 
A low-deductible plan may be a good option for you because you plan to use a lot of health care services. Your monthly premium will be more but your deductible will be less.

If you answered mostly Bs:
A balanced plan may be a good option for you because you may want to save on monthly premiums while keeping out-of-pocket costs lower.

If you answered mostly Cs: 
A high-deductible plan may be a good option for you because you don’t plan to need a lot of health care services. Your monthly premium will be less and your deductible will be more.