Most health insurance plans operate on a calendar year basis, so October 1st kicked off the enrollment period for selecting your 2021 plan coverage. While premiums are forecasted to rise only modestly next year, many doctors make a costly mistake by choosing the wrong plan. Here’s how to get the most cost-effective coverage for your family.

According to the Kaiser Family Foundation, the average family’s health insurance premium rose 4% in 2020 to $21,342. Meanwhile, the average deductible remained unchanged at $1,844.

For 2021, premium costs are projected to rise only 5-10% on average. However, your premium increase could...