In looking at health plans consider the medications you currently take. Your cost is what you can estimate for total out of pocket costs. Some plans will be considerably less expensive if your drug costs are high and you pay less of a % of total cost.
If you take mostly generic drugs, the true cost of those drugs is likely higher than you are use to in a flat copay system. If they are older generic drugs, the cost should be reasonable even if you do not have flat co-pays.
Do not just look at monthly premiums, because your true out of pocket costs can be deceptively higher or lower.
Even though we can now buy individual plans, group purchasing through employers, and through groups like Chambers of Commerce may still be more affordable.
Be cautious of plans that force you to use mail order to get discounts. A Pharmacy Benefit Manger (PBM) will be involved with every type of plan with drug coverage, but not all will mandate use of mail order. States like New York have taken legislative action to make it possible to go to local and use mail order pharmacies. If that is a choice you want to be guaranteed contacting your legislators is a good step.
Best of luck in picking your