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If you’re among the 170 million Americans who receive health insurance through an employer-provided plan, you’ll probably receive your 2014 open enrollment materials shortly. Although it’s a pain to wade through all that information, simply opting for your current coverage could be a costly mistake. Here’s why:
Health insurance has undergone major changes since the 2010 Affordable Care Act was passed, including the elimination of annual and lifetime coverage limits and preexisting conditions exclusions, expanded free preventive care and allowing children up to age 26 to remain on parents’ plans.
In response, many employers have altered their benefit plans. Plus, if your family or income situations have changed since last year, your current plans may no longer be the best match. And, if your employer offers flexible spending accounts and you’re not participating, you’re leaving a valuable tax break on the table.
Here’s what to look for when reviewing your benefit options:
Carefully compare all costs and features of the different plans offered and note how your existing coverage may be changing next year. Common changes include:
• Dropped or replaced medical plans.
• Increased monthly premiums, deductibles and copayment amounts.
• Revised drug formularies.
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