Please give me some advice on which plan to choose.

I am 22yo male. I recently just get my first real job, and they offer me some choices for the medical insurance (I am not from the U.S., so I am not familiar with these kind of medical insurance as much). My employer offer the insurance through Blue Cross Blue Shield. They give me three option:

Bronze Full PPO 6260/65 OffEx (What is OffEx?) : Company cover the cost

Silver Full PPO 2400/55 OffEx : I pay $71

Platinum Full PPO 0/10 OffEx: I pay $250

I will make about $6000 monthly before tax. I am planning to have 1 check up/year. I also have to go in for a blood work every 3-6 months. Right now, I am also trying to save money as much as I can (starting out from 0). That's why I want some opinion on which plan worth it the most. How much does it cost to go to an ER for the case that needs to go in the U.S.? They have separate ER facility fee and doctor fee!!? WTH. How much does a blood work usually cost (since I have to coinsurance)? Is $0 deductible really worth it? What other common things I would need insurance for that not a lot of ppl think of? Also, any recommend on Dental plan? Big thank you!!

submitted by /u/BloodyCM
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