The website actually has a tool that lets you play with different cost scenarios, which might be what you need to figure out the right plan.
They have the ability to filter plans by All sorts of terms…
You might be better with a higher premium plan, but I decided against those because you can’t use HSA funds to pay premiums.
But the two things that ObamaCare did (which is obviously the controversial part) was pre existing conditions HAVE TO BE covered, and no limit to care amounts. Both of those appealed to me in my situation.