In 2014, network and prescription drug plans will be key to selecting a health insurance plan that works for you. In order to make premiums affordable, insurers are making big adjustments to their networks and prescription drug lists.

1. Network: Make sure your doctor is in network.  In order to keep costs down, health insurers have adjusted their networks of doctors, hospitals, and other health care providers.

2. Prescriptions: Make sure your prescriptions are covered. Check pharmacy offerings on the formulary drug list. Many carriers are offering different levels of prescription drug coverage. For example, Anthem has 2 different drugs lists: National (larger list of drugs) and Select (narrower list of drugs).

Read more about changes to your health insurance plans in 2014: Four Metal Tiers of Coverage