It may sound simple, but many people can pick a less expensive plan if they practice good health habits. Preventable illnesses make up 70 percent of health care costs, according to a study in the New England Journal of Medicine.
Participate in your company's wellness program. Watch what you eat, exercise, don't smoke, drink less and maintain a proper weight.
The less you need to go the doctor, the less you spend. The fewer unhealthy behaviors you have, the less your -- and others' -- insurance costs. For instance, it costs 18% more for an insurance company to provide coverage for a smoker, according to the Centers for Disease Control and Prevention.
Talk to the experts
Don't guess -- find a trusted adviser who can help walk you through the details.
"People are afraid to ask questions. You should never be afraid to ask," Harte says.
Talk to someone who can explain terms to you or even help you just crunch the numbers. Your benefits person at work or a broker should be happy to help you figure out the plans and what's available.