Health insurance can be confusing, but knowing your options is an important part of taking charge of your health and the health of your family.\nMany people access health insurance through their employer (or their partner\u2019s employer). Some employers offer plans from a variety of insurance companies; some offer plans only from a single insurer. Knowing what your choices are is the first step to making an informed decision about your health care.\nChoice is vital. Learn more about your health insurance options.\u00a0\nHow do I know whether I have a choice in health insurance options?\nYou can determine whether your employer (or your partner\u2019s) offers a choice in health insurance plans in several ways, depending upon how your organization operates.\nYou may receive a booklet from your human resources group that outlines your benefits, including health insurance options. Or this information may be documented and updated periodically in a comprehensive employee handbook, delivered in hard copy or available electronically.\nYou may be asked to review your health insurance information every year during your company\u2019s \u201copen enrollment\u201d period \u2014 a good time to check on the choices available.\nOr, your elections may roll over from year to year unless you contact your human resources group to request or inquire about changes.\nIf you\u2019re still unsure, reach out to your human resources group. You may want to discuss whom to reach out to with your direct supervisor first.\n\nWhy would I want to choose a different health insurance option?\nYour health and the health of your family is important, and the health insurance plan you choose can affect every aspect of your wellbeing and access to care. Examine your options carefully, and consider the following questions:\n\nDoes this plan provide in-network access to my primary care provider?\nDoes it provide in-network access to my kids\u2019 pediatrician?\nDoes it provide full, in-network to my preferred hospital, or the hospital closest to me, in case I need to be admitted or observed or schedule a surgery or procedure?\nDoes it provide full, in-network access to the sort of specialty care I or my loved ones may need, including:\n\nAdvanced diagnostic and surgical procedures\nCancer treatment\nObstetrics and maternity services and NICU care\nTransplant services\n\n\nHow far would I need to travel, or what are my options, if these services aren\u2019t in-network under my insurance plan?\n\nWhy wouldn\u2019t my employer offer choices in health insurance plans?\nEvery company is different, with different goals and resources \u2014 just like every family is different. Changing or adding health insurance plans is driven by many things, including:\n\nAccess\u2014what does the insurance plan provide in terms of access for employees?\nCost\u2014both to the employer and passed along to the employee\nLegacy\u2014your company and the insurer have worked together for many years\n\nNot every company can offer plans from more than one insurance company, so it\u2019s important to understand what benefits are offered and if they meet your family\u2019s needs.\nHow do I go about asking my employer to switch insurance plans or offer a choice in health insurance?\nThat depends on your company. In some organizations (particularly larger companies), an intranet or other online internal communication structure includes forms or surveys that make it easy to communicate your feedback, including the changes you\u2019d like to see.\nOther companies may traditionally use email to communicate benefits information to employees. In smaller companies, you may want to schedule some time to meet with your supervisor or a human resources leader to discuss your concerns and needs. Think about how your company usually shares information and conducts communications, and proceed accordingly.\nWhat can I say about why I need a choice in health insurance options?\nYou may want to note your concern about your doctor (or a doctor you would like to see) not being in\u2013network under your company\u2019s insurance plan. You may also want to explain why the plan doesn\u2019t serve your family\u2019s needs. Perhaps you have a condition that requires ongoing management or advanced care, and you\u2019re concerned about the care available from in-network providers under your company\u2019s current plan.\nThere\u2019s no need to reveal personal details unless you feel comfortable sharing them. This is an opportunity to explain the ways in which the insurance plan doesn\u2019t address your concerns and then ask for a choice.\nAsking for more choices doesn\u2019t have to be difficult. Your health matters, and voicing your concerns about your access to the best insurance plan for you is a way to make sure you\u2019re taking care of yourself and your family.