Lynn Quincy of Consumers Union, a public policy group, suggests that consumers narrow their options to five plans, then go to each insurer's website to read the benefits summary. It spells out who pays what for two common situations: having a baby and managing Type 2 diabetes.
To be sure, the new health law did away with the whopping deductibles in plans previously offered to people without employer-provided coverage. Out-of-pocket costs are now capped at $6,350 for individuals and $12,700 for a family.
But some people who have been paying their own medical bills, or leaving them unpaid at the hospital, seem surprised that health insurance doesn't cover more of the costs.