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Evaluating Costs and Benefits
Selecting the right health coverage involves weighing the costs against the benefits. Premiums, deductibles, copayments, and coinsurance are all factors that impact the overall cost of a plan. According to the Kaiser Family Foundation, the average annual premium for family coverage was $22,221 in 2023, with employees contributing $6,106 on average1. It's crucial to compare these costs against the benefits offered, such as coverage for preventive care, prescription medications, and specialist services.