I would INSIST on exact numbers for your costs, copays, coinsurance, deductibles, etc... Also look for the lifetime caps on what they will pay, on your out of pocket, etc...
Make SURE that the indiv policy will go through and be fully approved before the open enrollment closes. One of husband's coworkers did this and the policy was not totally approved before enrollment closed. They hit a snag with the underwriters saying that certain things couldn't be covered and ended up with no coverage for several months and then having to pay a lot more because that coverage gap made some things pre-existing. It is my understanding that as long as you are continuously covered by health insurance from any company then your problems cannot be considered co-existing problems. Be SURE to double check this.
Ask for the details on mental health coverage. Many companies have these services managed by a separate dept or even separate arm of their company. It can effect what is covered, how easy it is to find a qualified provider, and many other things.
Be SURE to check pharmacy benefits. Compare them to what you have now and compare the formularies. Some companies have very limited formularies and do not cover many medications, esp psychiatric medications. Go through the family medication list and price it with each plan AND with the $4 list at Walmart and other stores.
What will happen if Kanga gets pregnant? Will you have to cover that out of pocket? Could you add the baby to your plan once it was born? Would alternatives be covered (not sure if you could/would consider them, but you need to think about it)? NO birth control is 100% except abstinence and with the new Residential Treatment Center (RTC) situation that will not be an easy thing to enforce. Some people's body chemistry is given enough of a boost to get pregnant when birth control is added. Girls who want to become pregnant can always find a way to make their birth control less effective also.
Look to see how eye problems are handled. Some policies cover opthalmologists (md's) for problems not related to near and far sightedness. Some do not cover this at all. Can you add vision insurance to make the cost of exams cheaper (we paid about $90 a year for a plan that paid for all but $10 of our eye exams and paid for 6 mos of contacts through husband's old job. What it paid for glasses was almost nothing compared to the specials we were able to find, even when using one of the eyemart places.)
Make sure you have coverage if you are not at home, that you can seek specialists even if you have to drive an hour or two. Find out how emergencies are handled. Our ins will cover an ambulance ride if it is recommended by the EMTs. A plan we used to have would not cover the ambulance ride if you were not admitted for more than 3 days. Not 3 days or more, more than 3 days. VERY few problems get you admitted for that long and ambulances are very expensive.
Find out if Urgent Care is covered. Our policy used to only cover the after hours clinic at one location in town. If you went to the ER and it was not life threatening then you paid it all yourself. Even broken bones from car accidents were supposed to wait and go to the orthopedic doctor the next day. A coworker of husband's learned this after her son was in an accident.
Ask how much premiums and copays will increase the next year. Sometimes you can lock in that rate also, or at least lock in a maximum increase.
Others will problem have other questions.
