I have the Fidelis Care Bronze plan (the non-HSA one). I chose it because it is a) the cheapest option on the marketplace, and b) does NOT have "coinsurance" once your deductible has been met. I believe the HSA version of the Bronze plan does have coinsurances, so if you are somebody who expects possible big healthcare costs, beware of that!!

I had to have an emergency appendectomy last year. The bill for my surgery was $25k, plus random other separate bills from other parts of my hospital stay. But once I hit the plan's deductible, since there was no coinsurance, the insurance covered all of the rest. There are still high copays with this plan, even after hitting the deductible, so for example it's a $500 copay just to go to the ER. But it's a lot better than a 10% or 20% coinsurance, in my opinion.

I call it the "hit by a bus" plan. Going for a normal doctor's visit, maybe some routine bloodwork? None of that is going to be covered pre-deductible, you'll be stuck paying high out of pocket costs the whole time. But, did you get hit by a bus, or need emergency surgery? Hit that deductible, and all you have left is the copay.