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Choosing a health plan is a big decision. One that impacts your health and your wallet. Its important not to choose a plan based on price alone. How much health care you expect to use over the next year is just as important. Thats top of mind for Isaac as he explores health plan options. He has diabetes and a growing family, a third child is on the way. Isaac and his family will be making frequent trips to the doctor and pharmacy over the next 12 months. For his family it makes the most sense to pick a plan with a higher premium but lower deductible. Why? Because Isaac expects to meet their deductible in a few months and then his health plan will start sharing more of the cost for his familys care. He knows by paying more in premium each month hell save money in the long run. Now lets look at Maria. Her healthcare needs are very different. Shes young single active and on top of her health. She only expects to get an annual checkup and use other preventive care benefits this year.