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Whatever you do
when comparing plans determine what the catastrophic cap on your out of pocket co-pays and deductibles are. I wont bore you with details but I had a situation that ended up costing well into the 6 figure multiples. Thanks to a catastrophic cap my out of pocket was in the low 4 figures.
Just my experience repeated for what it is worth...namely add a dollar to it and go buy a cup of coffee somewhere.