Are you planning to give birth, adopt a child, or get married in the near future? These are all things to consider when you choose a health insurance plan. Look for a plan that lets you add on family members at any time of the year, preferably one that offers a discounted rate for doing so.
Insuring a whole family can be quite expensive, and if you have a policy that only lets you add or subtract members during a specific time period (generally one month per year) you may find that you have to pay for healthcare for those family members until the enrollment period. This can be very expensive in the case of a new baby or step child who might need medical care. Ask what your options are in cases such as these.
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