health, life and disability insurance for 2017, and if you don't pay close attti financial planner doug boneparth. good to see you, doug. >> great to be here. >> welcome back. >> thanks. >> you know, it's very confusing for a lot of people, especially if your employer has multiple plans available, so how do you evaluate an insurance plan on the surface? what do you look for? >> so, most people are going to look at costs. that's the big driver. how much am i going to pay, and which plan is right for me? so when you're going to evaluate these plans, it might be a good idea to look back at the year actually spend on health care costs this year? for example, if you ended up not spending a lot because you are healthy, well, maybe the high deductible plans could be right for you because you don't want to pay a lot in people yurnlgs and the opposite might hold true if you see a lot of doctors and have a lot of prescriptions then maybe you want to look for plans with lower deductibles where paying more premium could be advantageous. >> a lot of people also want to put money in hsa or an how much ideally