Disclaimer: I am a Texas-licensed insurance agent.
There are some things folks should know about health insurance. First, the principal rule for avoiding getting screwed by an insurance company, namely, NEVER insure anything you can predict. Period. The insurance company is better at prediction than you are, anyway. Getting coverage for office visits and prescriptions is like car insurance that covers oil changes and wiper blades; it might be convenient, but you are going to pay way too much for it.
Next, I personally don't care much for so-called 'indemnity' policies. They have their place, but their place is NOT as your main health insurance. If your only coverage is an indemnity policy, and you have a major illness or major accident, you are very likely to be financially ruined. For an explanation of how this works, see my short essay on that subject at
http://www.hlhins.com/health-insurance- ... tions.html (item 3).
For the best deal in health insurance, get a High-Deductible Health Plan (HDHP) coupled with a Health Savings Account (HSA). The HSA is the best deal available to an ordinary (non-politician and non-wealthy) person. It's a hard thing to sell, though, because of the way the insurance industry has pitched health insurance (IMNSHO, mostly disinformation) for the last several decades.
Also, beware of non-insurance plans. They can be useful and even cost-effective, but they can also be deceptive -- and you won't know about that until you have occasion to use it. Plus, you can often use the same sort of tactics used by the non-insurance plans to get similar discounts on medical care without paying $20-80/month for these plans. Ask your primary care physician about "cash in advance" discounts -- you are likely to be very surprised.