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The most important thing in picking out an insurance plan is...

Your maximum out of pocket! 

All of your costs related to your health will be stacked up against that maximum out of pocket before your insurance covers it. In other words, all the other things under your insurance plan: the deductible, the coinsurance, the copay, etc, all apply to that out-of-pocket maximum. Once you hit that maximum, it caps the amount of money that you will be spending in that calendar year.

Keep an eye out for it next open enrollment!

Disclaimer: This content is for educational purposes only. Please discuss your specific situation with your health benefits administrator or insurance provider for personalized guidance.