. It can seem overwhelming, but asking yourself a few questions can help you make the best decision. In addition to cost, you should also consider how well the plan fits your medical needs and your preferred doctors and hospitals. Another important factor to consider is your ability and willingness to pay for out-of-pocket costs. Some plans have a high deductible, which must be met before the insurance pays for any services. Others have a lower deductible and coinsurance rates, but have a higher monthly premium. Lastly, some plans have no out-of-pocket maximums (Exclusive Provider Organizations and many HMOs), which are ideal for people who can afford to pay out of pocket. Finally, you should consider the type of plan that best fits your needs. The Marketplace offers different levels of plans, including Bronze, Silver, Gold, and Platinum. These plans differ in how you and your plan share costs, but all of them offer the same essential benefits.