I love what my health insurance does for me, year after year. He researches available providers to form a data base (including which providers they allow). Then each year I either fill out a simple form listing my prescriptions, doctors, and changes to my health care needs, and how much I want my premiums to be. Or we take care of this with a face to face interview. Then he adviises me which policies work best for my particular situation. Here in my states there are many insurance companies, each one offering a plethora of plans.