Deciding on  benefits can be a tricky business.  Three things to keep in mind.  First, if your spouse has coverage, make sure you are not paying for benefits already in his or her plan.  Second,  make sure and check your state’s health care insurance laws and regulations.  If you are under a certain income level, many states offer special options for you, and most especially for your dependent children.  Third, think carefully about what you really need—dental, vision, prescription, out of plan options for example and they accompanying price tag. Here are some extras that invariably add to premiums:

1.The lower the co-payment, usually the higher the premium
2.Out of plan options can add thousands of dollars annually to premiums
3.Prescription plans add premium costs—(but are often worth it if you or a family member get sick often or take regularly medications)
4.Dental and vision plans also add costs.  You will want to investigate these options carefully. Often, what they cover per visit or per incident is not worth the extra premium costs, year in and year out.