What three elements must be compared when a consumer is considering changing plans?

When considering a change in health insurance plans, it’s essential to evaluate the consumer's current coverage, costs, and access to providers. This is pivotal because:

1. Current Coverage: Understanding what the existing plan offers helps the consumer identify any gaps or benefits that are crucial to their health needs. This includes services covered, any limitations, and specific health needs that the consumer may have.

2. Costs: This involves more than just the premium costs—the consumer needs to assess additional expenses such as deductibles, copayments, and out-of-pocket maximums. The financial implications of the new plan compared to the current one can significantly influence a decision.

3. Access to Providers: Familiarity with healthcare providers is often a critical aspect for consumers. If the new plan’s network does not include trusted current doctors or hospitals, it may not be the right choice despite other attractive features.

This combination ensures that consumers make an informed decision that aligns with their healthcare needs and financial situation. The other options, while they have relevance, do not address these three vital components as effectively in the context of evaluating a change in plans.