I need to pick something by 12/31.ATT is dumping us retired types to a BS type Exchange.The reps are minimum wagers and don't know squat. Been looking at plans and need, if possible some input on Plan F's "Excess charges"? Its a $70 month dif for me for a plan with it or without which is plan "N" Any one up to speed on this stuff your input would be appreciated. Last year went to the DR one time and the ER 1 time(i am not a roofer) Thanks