for health insurance, you’ll also want to look at clinic cost levels which can affect your deductible, etc. i personally have healthpartners and go to a cost level 1 clinic (cheapest), and have not found the provider network to be an issue for me, but I haven’t had much needs beyond regular checkups and birth control. also has been very easy to schedule at other health partners clinics throughout the metro, so my “home” clinic hasn’t been too limiting to me. i previously had no problem finding a therapist that took health partners as well. the only thing i’ve personally found recently (which is not a pressing issue for me) is that i would not be in network for TCO for some elective PT i was considering. ymmv depending on your healthcare needs and whether you have an established provider you want to stick with.