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How to pick the best health care plan during open enrollment
By Lisa Zamosky
From Time magazine on Tuesday, October 4, 2016
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As health care gets more costly, your open-enrollment decisions become ever more critical. Workers at large companies will pay 5% more, on average, on insurance premiums in 2017, says the National Business Group on Health (NBGH).

Aim high. For next year, the NBGH finds, 84% of large companies will offer a high-deductible plan—one with a deductible of at least $1,300 for individuals ($2,600 for a family), although it could be much higher. “If you’re really healthy or really sick, it’s the plan to be on,” says SHRM’s Sylvia Francis.

Dial it in. Nine in 10 large employers are promoting “telehealth” services—remote video medical exams, available 24/7—up from 70% in 2016. You can save real money: An after-hours visit to the ER, for example, will run you $700 out of pocket on average, says NBGH chief executive Brian Marcotte, while you might pay $40 for a telehealth visit, depending on your plan. When you’re running a fever on a Saturday evening, you don’t want to waste time on your benefits website. Register with your telehealth service now, then bring home the information.