Which is more important when choosing a plan: cheaper premiums or less expensive co-payments?
It depends on your situation. If you’re young and healthy, you can go for lower premiums and higher co-pays. But if you’re older, have a chronic health condition or have young children who make frequent visits to the doctor, you’re better off with higher premiums and lower co-pays. You also have to weigh the value of your health plan versus price. If you go with a cheap health plan but it doesn’t pay for the benefits you need, you are not getting good value for your health insurance dollars.
