Tips for comparing plans (buying individually in Massachusetts)

I buy through the MassHealth Connector marketplace. My plan's premium is going up to $606/month next year. This has crossed a line for me, and I'd like a plan in the $500s.

My current plan has a $2000 deductible, but I get copay rates for PCP and specialist visits before I meet the deductible (I NEVER meet the deductible).

I found two plans from a different insurance company that have cheaper premiums (~$503 – 534/month) but higher deductibles (~$3500). Both these plans, however, explicitly say I get a "copay rate" for office visits after meeting the deductible. I assume that means if I went to my PCP for a sick visit, instead of paying $30 copay like I do now, I'd pay $200 (assuming that's the negotiated rate for cost of office visit). I'd pay a lower copay after meeting the $3600 deductible.

I can see what the full cost of my office visits were for my current company, but can I get these for the other insurance company that I'm considering? I assume I could call, but I have a feeling from previous experiences in trying to get costs that it wouldn't be fruitful.

It seems impossible to compare plans when they have different rules for when they let you use a copay and when they don't. Am I being too nitpicky about what to consider? Should I just stick to the basics: premium, deductible, OOP max?

submitted by /u/perennialtear
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