Accidents and illnesses happen. You certainly donâ€™t want them and you canâ€™t predict them, but at some point your familyâ€™s health and well-being will be negatively affected. Having health insurance is one of the best ways to make sure you and your family have adequate health coverage when medical mishaps and emergencies happen. The key to getting the best coverage is by acquiring the right health insurance plan. Here are the top 10 factors to consider when choosing a health plan.