I don't know what part of the country you're in, but you should contact a broker. They can give you a bunch of options and tell you what all of the options mean.
Personally, I'd prefer an independent broker than someone who worked for a big firm like State Farm or the like.
As an additional note, you don't pay anything extra for using a broker; the carrier pays them additional money directly. All the carriers will have similar override agreements with a broker, so you don't have to worry about the broker being shady. They only get paid for as long as you have the policy, so it is in their interest to match you with a policy that you will actually keep.
If you're concerned about costs, ask about an HSA. Make sure you understand what an HSA actually is before you decide to go with one, though.
[Edit: I forgot to mention that I'm in the the brokerage portion of the health insurance industry; before I worked here though I used a broker and he saved me about 500 bucks a year.]
Personally, I'd prefer an independent broker than someone who worked for a big firm like State Farm or the like.
As an additional note, you don't pay anything extra for using a broker; the carrier pays them additional money directly. All the carriers will have similar override agreements with a broker, so you don't have to worry about the broker being shady. They only get paid for as long as you have the policy, so it is in their interest to match you with a policy that you will actually keep.
If you're concerned about costs, ask about an HSA. Make sure you understand what an HSA actually is before you decide to go with one, though.
[Edit: I forgot to mention that I'm in the the brokerage portion of the health insurance industry; before I worked here though I used a broker and he saved me about 500 bucks a year.]