If you have to choose your own health plan, why only pick from a limited list? That's like arbitrarily only selecting from half of the restaurant menu. You should also be given guidance about how much you’re likely to spend based on your medical situation under any given plan option. (Cost of care, not just cost to the insurance companies each month.)
www.BeneFinder.com does all of this – compares plans sold on Healthcare.gov next to plans sold outside the exchange, AND uses a proprietary algorithm to estimate your TOTAL costs.
All for free.
This truly levels the playing field for consumers, and provides an actual economic market in which to make a decision and create market pressures on insurance carriers and prices.
In Virginia now, expanding soon.