This worksheet will allow you to compare different health insurance companies and plans to find the best one for your needs. Place a check in front of the services that are most important to you. Then, see how many of these services are available in Policy #1, Policy #2, and Policy #3. On the checklist, write in the coinsurance or co-payment rate, if there is one, and any limits on service. Remember that the most important service to be covered is hospitalization. If you are not covered for hospital care, then one sickness could cost you thousands of dollars, even hundreds of thousands of dollars.