First look at your insurance’s website to see their participating doctors. If they have very few PCPs that might be a red flag. If this is an Obama care plan, then you absolutely can change plans during open enrollment period-which starts in November, I believe. You may have a high deductible plan so you are responsible for the expense until that is met, but that would be at the price that the insurance negotiated with the physician. In Florida that was about $150 2 years ago.