Health insurance can look affordable based on its monthly premium, but a high deductible may make care inaccessible when you need it most. Before selecting a plan, review the deductible, copays, coinsurance, and out-of-pocket maximum together. Consider your savings, expected medical needs, and access to in-network providers. Explore HSA or FSA contributions, employer assistance, payment plans, and lower-cost care options. During open enrollment, compare total potential costs—not just the monthly price—and seek guidance from a licensed insurance professional to find coverage you can realistically use.