To maximize health insurance benefits, carefully review and compare plans before renewal, focusing on co-pays, deductibles, and network providers. Utilize free preventative care services like vaccinations and screenings. Understand your plan's formulary to avoid unexpected medication costs. Use Health Savings Accounts or Flexible Spending Accounts to save tax-free for medical expenses. Avoid surprise out-of-network charges by confirming all providers involved in planned procedures are in-network.