First off, it is a good starting point to have your current insurance coverage on hand and understand it. Also making sure your needs in regards to Health coverage is aligned for the most part with your coverage. Then it would be time to review with a trusted insurance broaker and evaluate other options available during open enrollment. Policies and coverage do change year over year and based on your current prwmiums and coverage benefits, an insurance broker may find you a better deal - meaning same or better coverage for less premiums. Call is now to review yours, our services are 100% free!