Thanks for the advice! I turn 64 next March and it’s time to look at this stuff seriously.
I spent some years explaining health insurance options to employees. It can be very confusing. If you're not familiar with all the above: (Monthly premium; annual deductible; co-pays; co-insurance; max out-of-pocket per year; HMO or PPO plan; network of doctors and hospitals) - let me suggest you thoroughly research the terms. Also, let me suggest that you request and review the "details" of coverage for any plan you consider. You will generally learn that 'annual deductible' applies to select service; co-pays apply to select services; co-insurance applies to select services.
The devil is in the details. Study them well before you make a final decision! Good hunting!