When in doubt, it may be worth going with the cheapest plan option available until you have further time to evaluate because you can make your switch in the November enrollment period.
More Quotes from Kevin Gahagan:
It appears that the data we hear about hedge funds' performance is absolute noise. Even if you accept the unique aspect of self-selected self-reporting, you can't wash out all the failures and expect people to buy your 'perception' of performance.Kevin Gahagan
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