jonny781 wrote:... I have done some research but see most plans don't cover Emergency Room visits until deductible paid, which seems like could be problem as any serious health issues would probably result in an ER visit compared to anything else...
Just a comment on this - they generally won't PAY until after your deductible is paid, but that doesn't mean you can't go there. If your first visit of the year to any healthcare provider is to an ER after a car crash, and the ER charges $50,000 (say), and your deductible is $5,000, then you have to pay the $5,000, and the insurance would kick in on the next $45,000 of the charge - paying however much of the fee the plan has agreed to. [As far as I know. I'm still learning.]
Generally, people suggest to look at ehealthinsurance.com. I tooled around on that site for a bit but ended up going straight to Florida Blue (the new name of our Blue Cross/Blue Shield company), as they had plans which suited me better and were actually cheaper. That Healthnet PPO plan you mentioned looks good, though. Also check if your local hospitals are in network or not.
And don't be tempted by any sales nonsense about getting the plan in ahead of Obamacare. I had a sales person call the other week (I just opened a business, so they are trawling, and I didn't tell them I already had individual coverage), and they were trying to tell me that if I buy now, I'll be grandfathered in and won't have to change my plan next year. Which a) is incorrect as far as I know, because I think you have to have bought the plan before whatever date in 2010 to be grandfathered in with no changes, and b) my plan doesn't meet the minimum standards under Obamacare, so I wouldn't mind getting better coverage as long as it's not too much more money.