What kind of plan is going to make sense if I’m single, 35, no major health problems but feel like there will be, because I’m overweight?

I've not had health insurance in over a year, and it's been stressful. I'm carrying around a crazy amount of weight, and I feel like I need to be looking at whatever options possibly exist to get a handle on it. Seriously considering gastric bypass surgery (unsure if insurance would even help, but I'm like 360 lbs, I figure I'm on the cusp of serious issues if I don't do something drastic, so hoping insurance might cover the cost?).

Because I don't have any specific health issues, though, I'm just trying to figure what's going to be the absolute best plan for my situation. I really want to spend the next year getting my shit together, tackling major health concerns (my weight, also my elbow has felt pain for the past month, despite no injury), and also cosmetic stuff like braces and lasik.

There are three separate "Platinum" PPO plans I've been looking at, and they range from $206 to $227 a month. My knee-jerk reaction would be "paying more will be better health insurance", but it seems sort of confusing.

The $206 plan has a $500 deductible (the others are $0), but it also has the lowest out-of-pocket costs per year, at only $1500 in-network/$3000 out-of-network.

Meanwhile, the $227 plan has a $0 deductible, but the out-of-pocket limits are $1900 and $3800, respectively.

I don't fully understand what co-pays and all are, though.

Considering I feel like this is going to be a year where I want to have a lot of work done, would I be better off just going with the more expensive option? Or is that only if you're expecting something truly catastrophic or something?

submitted by /u/Jcorb
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