it will be easier now to determine what the plans include because they have to describe their benefits in much clearer terms than they were required to do in the past. you may find it beneficial to work with someone to walk you through the process. if you call the 800 number on healthcare. gov you can talk with someone about your options. you can also work with a licensed insurance agent. check nahu. org to find one in your area and be sure he or she is credentialed to also sell plans through the marketplaces.
we own a small business with 2 employees who have their health insurance through their spouse. we (the owners) have insurance with a hsa component. if we change to a new plan how do we know it will work? we have a $7 000 deductible which was paid twice for cancer 2010 and 2011 but after that it paid 100% with no issues. how do i know these new plans will cover what they say like the one i currently have?