First, there are all the terms — premiums, co-pays, co-insurance, deductibles and out-of-pocket maximums, to name a few. There's the question of which doctors are considered in-network or out of network by any particular plan, or what level of out-of-pocket payment each option may require for the drugs you and your family take. And there's the matter of which services are covered and which aren't, and the delicate balance of premiums versus out-of-pocket costs that varies based on each individual's health status and budget. Pull up marylandhealthconnection.gov and you can fairly readily find out what health insurance plan you and your family can get for the lowest monthly premium, and how much of that cost might be covered by a federal subsidy. But that doesn't begin to tell you what plan is most advantageous for you financially.