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member health plans play a key role in the US health care system they provide affordable health benefits to hundreds of millions of Americans and negotiate with providers and drug makers to get the best value for consumers health care dollars choosing an insurance plan that works best for consumers and their families is very important the good news is consumers have options health plans use many different approaches to design insurance products in order to meet a variety of health and budget needs they offer a wide range of coverage options that have different premiums deductibles and co-payments consumers tend to make coverage decisions based on how much they would like to pay for medical expenses and premiums for example people seeking coverage that is more comprehensive and offers low out-of-pocket costs for doctors visits and prescription drugs may pay a higher monthly premium compared to individuals who tend to use little medical care and therefore prefer to pay a lower monthly p