A low monthly premium is attractive because it is visible on every paycheck. It is only one part of the cost of health coverage.
Model a normal year
Add premiums and likely prescriptions, appointments, and tests under each plan.
Model a difficult year
Compare deductibles, coinsurance, and the out-of-pocket maximum for a high-use scenario.
Check the network directly
A familiar insurer name does not guarantee that a specific doctor or hospital participates in every plan.
Sources
- HealthCare.gov, How to Pick a Health Insurance Plan.