One of the five general guidelines I follow as I consider health insurance is does my doctor accept my insurance. That is important because if my doctor does not accept, I will have to look for a new doctor that is unfamiliar with me and past health records. I also check if the health insurance cover if not all but a majority of my prescriptions. Prescriptions can cost hundreds if you do not have the right health insurance. I look at the co-pay. Co-pay can be from $10 up to $50 a visit. Co-pays can be costly, especially for unexpected doctor and hospital needs throughout the year. When looking at my options for health insurance , I look at my job insurance and compare it to an outside source that I can afford. The reason behind that is because health insurance can be better or worst then what I could afford. Both options can differ, and I would choose the one that suits my needs. And the last option I look for is how much is my monthly premium. A monthly premium is what I would have to pay monthly. A plan can range from $25 all the way to $300 and above. I would have to find a plan that fits in my budget.