It's health insurance season in the United States of "Every Person for Themselves."

Is there a silver lining to a primarily coinsurance based plan, rather than mostly copays? This is a first for me.

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Personally I don’t like plans like that but I believe that should allow you to have an HSA, which is somewhat of a silver lining.

You might be able to look at bills from this year and see your explanation of benefits to help give you an idea. Obviously won’t work for unforeseen expenses this upcoming year. But say you have a dermatologist you see for example and this year you had a copay. You could look at your explanation of benefits and figure out what it would cost on the new plan you’re looking at.

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