how do you choose the right health insurance plan if you’re in the US and looking to line up coverage for next year here are some things to know when’s the deadline to sign up for Medicare Advantage plans the last day to enroll is December 7th about a week before a similar deadline for selecting individual insurance plans what about the premium everyone loves a good deal but low premiums might mean less coverage and a bigger Bill throughout the year here are some other things to look at plans with high deductibles may require you toay pay well over $1,000 before Insurance kicks in for many covered services but you may be able to open a health savings account that helps with that your insurance might not cover the provider you want check with both the insurer and your doctor about whether they’re in network how about the prescriptions coverage can vary by plan if you can’t afford your medication ask the drug maker if they provide financial assistance