When searching for health insurance, there are many questions that you should consider before making your decision.  Some of these factors will affect the price of coverage more than others.

The first question you should answer is how much is the deductible?  A higher deductible will mean more out of pocket expenses for you and your family.  In return, you should be paying a lower premium.

Next you need to determine what routine screenings and exams are covered.  This is most important if you are older or have young children.  If routine test are not covered, you will have to pay for them yourself. 

You should also determine if prescriptions are covered in the plan you are researching, and if so what is the co-pay.  A co-pay is a fixed amount you will need to pay out of pocket each time you get a prescription filled.

You also need to find out if you need a referral to see a specific doctor.  You may already have a doctor that you see on a regular basis.

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