It’s time to think health insurance.

There’s a sentence many Americans will dread reading. Picking the right plan every year involves sifting through deductibles, provider networks and other arcane terms that can quickly scramble the brain.

Don’t worry, though, help is available. It just may be harder to find this fall.

Here are some points to consider as you decide what coverage you need for 2019.


The sign-up period for next year’s individual health insurance coverage runs from Nov. 1 to Dec. 15 in most states. Don’t delay.