HAMPTON, Va. — Open enrollment for health insurance is officially underway for most private employers and state-based insurance plans, but navigating your options can be confusing — especially if your circumstances have changed over the past year.

As Lois Manzi knows, everyone has different needs when it comes to healthcare coverage.

"Somebody might need the transportation, somebody might need more hospitalization — they might have different medical issues where they need a better pharmacy payout," Manzi said.

To help you figure out the best plan for your situation, I've put together a checklist of what to know, what to ask and when to act.

Watch: Turning 26 brings loss of insurance coverage for many young adults Turning 26 brings loss of coverage for many young adults as costs rise

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