Blue Cross Blue Shield is usually the best choice for private insurance (called Anthem where I live). I'm currently paying about $200 a month for myself (one significant pre-existing) with a $5,000 deductible. I get the contracted prices on physician visits, medications, and labs, and have taken advantage of free phone consults with in-house specialists. I tried to max out the deductible a couple of years ago with a ton of labs, foot surgery, doctor visits, and upper and lower scopes but I couldn't do it. Turns out that the scope was not subject to the deductible, nor is an annual physical with a primary care physician. I believe the ACA locks in those annual benefits along with some other things not subject to deductibles.