Only you can decide what works best for you, and it's really important that you weigh the pros and cons of the different types of coverage and consider your own needs and health.
Low premium/high deductible is the type of plan I have, and I refer to it as "catastrophic coverage" - if I get the flu or a pain or need to get a note to be off work for an illness, I'm paying everything out of pocket because I will never meet my deductible. I basically need to take care of myself. But if I get diagnosed with cancer or hit by a car, I'm paying a few thousand dollars instead of a few hundred thousand dollars. This plan works for me because I am in overall good health and am looking at only a few hundred dollars in medical bills a year, but Just In Case...
Those with greater healthcare needs that will use the system more may need the opposite type of plan, where they pay more up front, but know they will meet their deductible quickly and will save that way.
It's also important to do your research when getting new coverage on exclusions and pre-existing conditions. COBRA may be expensive but coverage is identical to what you had prior, and for employee group plans that generally means no exclusions for pre-existing conditions.
Do your research, crunch some numbers, and pick the plan best for you. The only thing I will absolutely say you must do is don't let your coverage lapse - COBRA for a few months while you do more research is an option, and a lapse can lead to serious issues.
Do something everyday that your future self will thank you for.
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