How can I pick the right health insurance for my needs?

I am going to have to start paying for health insurance on my own for the first time and I am very confused by all the choices. I'd like to pay somewhere in the $80-85 range for premiums without having a ridiculous coinsurance rate as I don't have much more than that to spend per month, but how can I tell if the plan is going to afford me sufficient coverage?

You will make out better if you look at insurance as a hedge against financial disaster rather than having insurance pay all of your medical bills. Unless you have a pre existing condition, you are in a very low risk range at your age. You would have to require medical attention considerably more often than the average person to make the low coinsurance a better choice.

No question it is aggravating to pay so much for insurance and then have to pay medical bills on top of that but your total payout over a long time will be less with a high copay.

I would contact three insurance companies you believe to be reliable and ask what you can get for $80. Do it online. If you go through a local agent it will likely cost more.