Among her suggestions:
- Compare the summary of benefits and coverage for each available plan.
- Come up with a rough estimate of how many doctor visits you typically have in a year and what medication costs will be.
- If you foresee any major costs, like for the birth of a child or root canal surgery, consider contributing to a Flexible Spending Account or Health Savings Account for this purpose. For 2015, workers can put up to $2,500 in a Flexible Spending Account and $3,350 in a Health Savings Account for an individual and $6,550 for a family.