. If you work for an employer that offers health insurance, youâre likely in the thick of choosing your coverage for 2021. The COVID-19 pandemic adds some wrinkles to an already tricky decision. So, weâve talked to some experts to help you select the best coverage at the right price. Because of the pandemic, you may have new health care needs or want to ensure youâll have ample coverage in case anything happens to you or your family. Your employer may have changed coverage options due to the coronavirus, too. For instance, âvirtual care has accelerated exponentially,â according to the Business Group on Health report.