It’s September and in the benefits world, this is known as AE or Annual Enrollment. To roll with the theme, today, we will talk about health insurance and how to choose what’s right for you. If you have multiple plans to choose from, putting some thought into potentially changing your health insurance for 2018 is time well spent. When I got my job at Cal State, I was presented with 12 health plans to choose from. No one needs 12 options, I promise you. But I take these things seriously, so 10 hours later, I was still choosing my plan. How do you make your choice?

The major plans are HMOs, PPOs and HDHPs. How is that for acronyms? What is the difference? Pretty much what doctor you can see and how/how much you pay for it. Here is a great primer video to get you the basics if you are not 100% sure how the types of plans differ:

This is not easy stuff so here are my top 5 things to think about when you are selecting your employer health insurance for the upcoming year.Read More