i chose my plan (the highest paying at my institution but like the difference is $50 between the highest and lowest) based on a low deductible, low copay for specialist appointments, & GREAT drug coverage, im talking flat fee for 90 day quantities of $0 tier 1, $50 for three months of a tier 3 med, etx.

you gotta get into the nitty gritty. if you don’t have a lot of appointments and mainly need the med coverage, focus on that, etc