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It can be hard to predict medical expenses for a given year. A good place to start is reviewing last year’s costs and activities. Did you visit the doctor often or less than you expected? Are you retiring or planning a surgery?

Also factor in monthly premiums, deductibles and copays, and be sure to budget for the unexpected, like a trip to the emergency room. It’s important to remember that accidents happen. 

Budgeting for health insurance looks different for everyone, but spending a little time upfront can help you benefit financially.

Compare cost-sharing options 

As you budget for health insurance, it's important to consider the various ways you can share costs with your plan. With Metallic Tiers, it can be simple to compare across plan options.

The tiers — Bronze, Silver or Gold — break down the percentages of costs you would be responsible for vs. what your plan would pay. Once you find a tier to fit your budget, consider what kind of network fits your lifestyle, an HMO, limited network HMO or PPO.

With these decisions, you can begin to get a clearer picture of premiums, deductibles and copays. And while cost is important, always look to see what plans do and don't cover. Cost share for services can vary greatly by plan.

What you need to enroll

  • Your Social Security number
  • Your spouse's Social Security number
  • Birth dates for you and your dependents
  • Tobacco status
  • Medicare status
  • Other health insurance status


Buying health insurance may be one of the most important purchase decisions you make this year, so make sure you feel confident in the process.

If you have a question, talk to one of our agents about coverage options.

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