How do you determine how much health insurance you need?

I think everyone should get health insurance. Use a well-known insurance company and buy comprehensive insurance that has a lifetime max over $2M. Make sure your plan has pharmacy coverage. The healthier and wealthier you are, the more you can afford to have a plan with a high deductible and a higher out-of-pocket maximum. Ask yourself what is the most you can afford to pay in health care expenses in a year and then buy a plan with an out-of-pocket max that is less than that. Some plans have benefit limits (for physical therapy, etc.). If you know you will need these services, avoid plans with limits for the services you know you will need. When in doubt, buy the insurance plan with more coverage.

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