You never know for certain what your needs will be, but it can help to figure out coverage for worst-case scenarios, said Bonnie Milani, an independent insurance broker in Encino, Calif.
Look in any health plan's benefits summary for its lifetime coverage maximum and how it might cover a hospital stay.
Check whether the annual out-of-pocket maximum is lower than what you currently have or the other options available.
But remember that deductibles and out-of-pocket maximums reset every year. Think about the challenge that might impose.
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If you're diagnosed with cancer late in the year, could you handle paying a high deductible for that year and then paying another deductible a few months later, as your treatment continues?
Several Web sites offer expense calculators, including www.planforyourhealth.com, which was created by the managed care company Aetna and the Financial Planning Association.
- The Associated Press