The most important questions to ask when picking a health care plan

Selecting a health insurance plan in the US is a little like going through a maze, or solving an impossibly difficult crossword puzzle. It can be a morass of hard-to-figure-out terms — HMO, PPO, deductible, premium, coinsurance — and plans. Under another Donald Trump presidency, understanding Affordable Care Act insurance plans may get even more confusing. Whether you’re choosing an employer-sponsored plan or you’re shopping on the health insurance marketplace, this chore might be one of the more complicated things you do all year.

“Things change year to year, so even if you think that you’ve got it figured out, you could have a plan that works super and then the insurers will make changes and then that can throw things off for you next year,” says Jessy Foster, the deputy director of pol