How Do I Know What Health Insurance Is Right For Me? 
In all honesty the best way to evaluate your options is through consulting with a knowledgable insurance broker . There are many different structuring options and a great deal of technical details that can be navigated by a consumer however I would relate such a undertaking with representing oneself in a court of law , or self-diagnosing/treating ones medical issues . That being said one can gain valuable insights by factoring in ones history of medical expenses over a several year time line , ones potential exposure level to unforeseen medical events , this should help you benchmark the minimum level of coverage . One should then do a basic cost-benefit analysis -LRB- factoring in the historical information the cost of the desired coverage and ones income -RRB- to eliminate options that would be to expensive or that would not be effective risk management tools . 