Bro as a self employed person and just having to have an over $10,000 surgery to fix a bicep tendon this topic is close to my heart and pocket book. I now have insurance.
The things you really need to focus on are not the little things the regular check up etc screw them most times those visit you dont really need and could afford and can likely be done at an walk in Minor med type place.
What you want is to worry about the BIG enchilada things that will cost a ton making sure they are covered. get a fairly high deductible what ever seems fair to you something you could cover with out breaking the bank a few thousand in deductible is much better then 20-30,000 or more even hundreds of thousands. This will also keep your payment down.
Then a nice co pay on prescriptions is nice just knocks off some of the out fucking rageous over pricing of meds.
Then the UNplanned this is where the plan I got really sold me. Anything UNPLANNED. any unplanned surgery as in emergency, say you have a stroke, a heart attack, break a leg, your back any accident its a $100 deductible.
IMO thats great its that I was worried about and like stated above most planned surgery is going to be HUGE cost wise so paying the 2-3000 is cookies in comparison and keeps the payment low. mine is $84 a month and they had one a bit cheaper with an bit higher deductible and same accident coverage
any way thats what Id look for