Ultimately, choosing a health insurance plan depends on your specific healthcare needs and habits. You’ll need to assess how often you visit the doctor, whether you take prescriptions, and how much flexibility you want in your coverage. There are two main types of plans: copay plans, which typically have higher premiums but lower out-of-pocket costs when you use healthcare, and high deductible health plans (HDHPs), which typically have lower premiums but higher costs when care is needed. Your decision should be based on how you personally use healthcare and your comfort level with risk.