We offer our clients an annual review of their health insurance coverage because things change. To make the best decisions about your benefits, go through this checklist:

1. Review the benefits you used last year and evaluate the money you allocated to those various benefits.

2. Take into account any major life event, such as marriage, divorce or childbirth. Those events affect your needs.

3. Make a list of the major preventive and diagnostic procedures you're likely to need, and make sure your health and dental plans cover those services.

4. Consider any job related benefits your spouse may have so you don't pay for double coverage if you don't need it. Compare coverage levels and cost to get the best plans.

5. Since health insurance premiums go up every year, your coverage may become unaffordable. If so, it's probably time to consider a higher deductible plan.