Never assume you know everything there is to know. Read up on health insurance so you can make the best decisions for you and your family. Start off with the policy you have now. Check it through - even that small print. Does it still give you the protection you need?
How would you know?
First find out what different kinds of policy there are. There are major differences between what the insurance companies will and will not pay for. What prescriptions do you think you might need? What services do you think you might want? Are they covered in your current policy?
Review your deductibles. If you have been healthy for the last few years, you might be entitled to a discount or get a reduction in the premiums if you accept a higher deductible.
If you are thinking of changing policies, avoid policies that exclude pre-existing conditions. If you find you have no real choice, opt for one that has a short waiting period.
Always pay your premiums as a lump sum. This often entitles you to a discount and avoids paying service fees.
Know more about free health insurance quotes.
Do all these, and you are a smart consumer!