3 On Your Side

Tips to remember about open enrollment

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There are many things to consider when picking out health insurance.

First, you have to check your finances and look at what you spent on medical insurance coverage in the past. Also, look at how much you paid out of pocket. Then, compare that with the frequency of your doctor visits.

If you typically don't go to the doctor too often, consider a higher deductible plan. Your monthly insurance premiums will cost less. But, your co-pays and hospital visits will be more.

If you have a lot of doctor visits or a preexisting condition a lower deductible plan may be better for you.

Next, know your out of pocket maximum too.

Look at co-pays for visits or coinsurance to see how much extra you'll spend to see your doctor.

Make sure your doctors are considered in network.

Typically seeing someone out of your plan or out of network will cost more.

If you have the option, contribute to a health savings account or HSA.

Money put into these accounts is tax deductible.

In some cases, employers can also contribute your fund.

And finally, check your plan and review your options because plans can change.

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Copyright 2017 KPHO/KTVK (KPHO Broadcasting Corporation). All rights reserved.

Gary HarperGary Harper is the senior consumer and investigative reporter for 3 On Your Side at KTVK-TV.

Click to learn more about Gary.

Gary Harper
3 On Your Side

With more than 20 years of television experience, Gary has established himself as a leader in the industry when it comes to assisting viewers and resolving their consumer-related issues. His passion and enthusiasm have helped him earn an Emmy for Best Consumer Reporter from the National Academy of Television Arts and Sciences. He’s also garnered several Emmy nominations

He has negotiated resolutions with companies of all sizes, including some of the biggest corporations in the nation.

Gary has successfully recouped more than $1 million for viewers around the state, making 3 On Your Side one of the most popular segments on KTVK and the station's Web site.

He's best known for investigating and confronting unscrupulous contractors. In fact, many of his news reports have led to police investigations and jail time for those who were caught. Viewers, as well as the companies and people he investigates, regard him as consistently being thorough and fair.

Gary has been with KTVK-TV since 1997. Prior to his arrival in Phoenix, he worked for WZZM-TV in Grand Rapids, Michigan, where he was as an anchor and reporter.

Gary is from Chicago, but launched his television career in Lubbock, Texas, after earning a broadcast journalism degree from Texas Tech University. Following his graduation, he was quickly hired by KLBK-TV in Lubbock, where he enterprised and broke numerous exclusive reports. His aggressive reporting in Texas helped garner him Best Reporter by the Associated Press.

Gary has been married since 1994 and is the proud father of two sons. When he's not helping viewers, Gary is busy catching up on his favorite college and professional football teams as well as cheering on his beloved Texas Tech Red Raiders.

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