When it comes to picking a health plan, premiums are important, and in some cases very important.

But premiums are not the primary consideration in choosing your 2009 health plan, not by a long shot.

You need to look at what your likely medical expenses will be next year for yourself and your family. Then make sure the plan covers most of them and that your doctor is part of their network – saving both you and the health plan money.

Finally, the most important thing: consider the catastrophic coverage limits. How much will you have to pay out of pocket before the insurance takes over?

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