Great suggestions @rwinney. May I add something for those of us that aren't good researchers (like me). I have an insurance professional with whom I meet every year. She looks at the previous year and we talk about what medical issues I continue to have and what new ones are likely to present themselves. Then, she suggests and explains the opportunities with their specific benefits. I love it....an expert that fills in my mental gaps. This year is working out well and I am behaving.
Chris