Choosing a Health Plan You can view a summary of a plan's benefits and coverage and a glossary of commonly used terms before you enroll and each year when your plan renews. These documents explain your benefits and coverage limits in clear, easy-to-understand language. Most health plans must cover preventive services with no cost-sharing. All comprehensive health plans issued after January 1, 2014 must offer essential health benefits. Questions to Consider Here are some things to consider when comparing plans. What are the premium, copayment, deductibles, coinsurance, and out-of-pocket limit amounts? When do you need to pay the above amounts? What types of care does the plan exclude? Are your prescriptions on the list of covered drugs? What do they cost? Are your providers (doctors, hospitals, specialists, pharmacies, etc.) in the plan's network? Are there limits on the number of times you can receive a specific type of care? Do you need a referral or pre-authorization before you can get treatment for certain types of care?