The government tells citizens to use Healthcare.gov to shop for the health insurance that will best meet their needs. However, the site is built in such a way as to emphasize price over everything.
Granted, price is one very important piece of information to consider. However, it is not the only piece of data that you need before you commit to a health insurance plan for 2015.
The least expensive plans often have very small networks of participating doctors. If you use a doctor, or hospital, that is not in their network, you have no health insurance.
Also, the least expensive plans have very high deductibles. If you need to use the hospital in the coming year, it would have been less expensive for you to buy a plan with a higher monthly premium but lower deductible (or buy supplemental insurance to help pay the bills that your “Affordable Care” plan does not.
The bottom line is that you need to consider more than just premium when you are using Healthcare.gov. The tools, to do so, are there. You just need to know where to look.