Health care reform will eventually require private health plans to offer a user-friendly coverage summary. Until that happens, though, here are key points to keep in mind when choosing a plan:

1. Focus on what you need. Before looking at plans, consider how coverage was used in the past and what will be needed in the year ahead.

2. Know your options. Understand the range of options available to you; enlist a broker if you need help.

3. Brush up on coverage terms. Understand a plan’s premium, annual out-of-pocket maximum and deductible.

4. Watch out for exclusions. What doesn’t the plan cover?

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