Can you all help me compare some health insurance options? I'm ignorant.

[Nuclear Unicorn]

4. Being in your 20s and assuming generally good health, you shouldn't need coverage for anything

except the unexpected. That should continue into your late 30s, early 40s.

I'm not sure why your out-of-network copays are lower. The idea is usually to set prices so as to keep you in network.

In order to get doctors to accept lower payment the insurance company promises to funnel them more patients via networks. It's a horrible cost control mechanism but that's another thread.

I would go for the lower premium unless your profession and/or lifestyle and/or general health carry significant risk of prolonged care. For routine care and the occasional sniffles I'd go to a cash clinic.

Try not to be unconscious if someone takes you to a hospital, otherwise you'll be ruined because there is no limit, according to either plan, to what you can be charged and there will be no one to argue on your behalf to bring down your obligation.