How to Choose the Right Health Insurance for You and Your Family
Choosing the right health insurance plan can feel confusing — especially when enrollment season rolls around and you’re staring at dozens of options. Whether you’re reviewing Marketplace coverage, Medicare, or family health plans in Arizona, taking a little time to understand what matters most can help you find coverage that fits your family and your budget.
This guide breaks down the key things to consider so you can feel confident before you enroll.
1. Start by Understanding Your Family’s Needs
The best plan for your neighbor might not be right for you. Start by listing:
How often your family visits the doctor
Any ongoing prescriptions or health conditions
Your preferred hospitals or specialists
How much you’re comfortable paying monthly versus out of pocket
If you have children, consider pediatric care and dental needs, too. Families with older parents may also want to look at supplemental or Medicare Advantage coverage.
2. Know the Main Plan Types
Most families in Arizona choose between:
HMO (Health Maintenance Organization): Lower premiums but limited to in-network doctors.
PPO (Preferred Provider Organization): More flexibility to see specialists but higher premiums.
EPO (Exclusive Provider Organization): In-network only but no referrals needed.
Marketplace (ACA) Plans: Great for individuals and families under 65 who qualify for tax credits.
Medicare Plans: For those 65+ or with qualifying disabilities.
Each plan type balances cost, flexibility, and convenience differently, so think about what your family values most.
3. Don’t Forget Dental, Vision, and Supplemental Coverage
A health plan is just one piece of the puzzle. Adding dental and vision insurance ensures regular care for checkups, glasses, and preventive work.
Supplemental insurance can help cover unexpected costs from accidents, critical illness, or hospital stays.
If your family travels often, travel insurance can protect you in case of emergencies away from home. And life insurance provides long-term financial security for your loved ones.
4. Review Networks and Providers
In the Phoenix area — including Gilbert, Chandler, Mesa, Queen Creek, and Scottsdale — plan networks vary. Before enrolling, check that your current doctors and preferred hospitals are covered. This one step can save you frustration and surprise bills later.
5. Work with a Licensed Agent for Free
You don’t have to do this alone. A licensed HealthMarkets agent like Daisy Nadolski can help you compare health, dental, vision, Medicare, and supplemental plans — at no cost to you.
She’ll help you identify your best options, explain how each plan works, and make sure your coverage fits your family’s specific needs.
6. Review and Reassess Every Year
Even if your plan worked last year, benefits and provider networks often change. Reviewing annually ensures you’re still getting the right coverage and best value.
The Open Enrollment period for 2026 coverage begins November 1, 2025 and runs through January 15, 2026, so now is the time to prepare your documents and explore your options.
Final Thoughts
Health insurance isn’t one-size-fits-all. Taking time to understand your family’s needs, coverage options, and available benefits can help you make a smart, confident decision this Open Enrollment season.
If you’re in Phoenix or the surrounding areas, reach out to Daisy Nadolski for a personalized review — and make sure your family’s health is protected for 2026 and beyond.
