The Lawrences are assessing their health insurance coverage. Since Mark’s current employer offers him only two weeks of sick leave per year, they need to consider this factor when assessing disability insurance plans. In addition, Shelby realized her dream this year and opened her pet salon. Since she is self-employed, they are dependent on Mark’s health insurance. In recent weeks, his company has been considering several types of plans including traditional health insurance plans and an HMO. These plans offer a wide variety of coverage and differences in costs so they could use some help in finding the right one especially since they are considering having a baby in the near future.

Questions 1. In evaluating the various health insurance plans, what factors should the Lawrences look for in a good health insurance plan?