There are many different plans and carriers for you and your family.
First, you need to decide what services you and your family need.
Second, how often do you and your family go to the doctor.
Third, is their a family doctor that you always go to?
Fourth, find out which carrier your doctor accepts.
Fifth, what is your budget?
These are all important factors in getting the right and best care for both you and your family. With the ever changing Affordable Care Act (ACA) aka ObamaCare. It is important to get the right coverage for your financial situation.
Health insurance can only be changed once a year. If you select a plan that you do not like, you would have to keep it until Open Enrollment.
Open Enrollment is usually on November 1st to December 15th for an effective date of January 1st. Althought there is a grace period, sometimes by December 31st, your plan may begin on January 1st. Grace periods and deadlines changes sometimes. It is best to enroll by the December 15th if you want coverage to start on January 1st.
If you enrolled on the 16th, your plan will begin the following month. You would need to wait for a month and a half for your coverage to begin. For example, If you enrolled on January 16th, you coverage will begin on March 1st.