Every year I go onto healthcare.gov to pick a plan and every year I feel clueless. I have a master's degree but I feel really stupid trying to look into these plans. Just as a for instance, my current plan Harvard Pilgrim NH Local Choice HMO Bronzen 8000 says a specialist costs $0 after deductible but unless things really change medically for myself and my wife, it is very unlikely we will meet the deductible. I can't find anywhere how much it costs before the deductible but I know it's a lot from past years.
In my past years I rarely went to the doctor but this year I have had issues with my ears, TMJ and a few other things and have been seeing doctors more regularly. How do I go about choosing between bronze, silver, gold. Is there a certain amount of doctor visits I would need to make in a year to calculate which one makes sense?
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