* The fewer visits you make, the higher a deductible you should go for (you'll pay less for the policy). If you make at least one or two doctor visits a month, though, a lower deductible is best. Or join a managed care plan that just requires co-payments.
* If a plan mandates that you see participating physicians, check that its list includes any pediatric specialists your child may need.
* Make sure emergency care is covered and that you'll be reimbursed no matter which hospital ER you go to.