I know next to nothing about the marketplace, I have been reading as much as I can, but every time I search a specific insurer/group by name, I get a litany of horror stories.

I qualify for a special sign up based on losing insurance when I moved, I'd rather pay a little more each month than have an unknown amount I owe at a later date, if that makes sense.

Is there a trick or rhyme or reason to whittling down what options are best? I mean, I have no idea what my usage of the services will be. So I can't really guesstimate there. I could be there every day, or I could go once a year or less, it all depends on what they find and how bad it is.

Any and all advice would be appreciated.

Thank you in advance.

Edit: To add if it makes a difference, I am Male/43 and I'm going to likely need a full work up to see where I am at health wise. I haven't been to a doctor in 7 years. I have zero doubt there isn't something going on with me health wise, covid did a # on me (even with the vaccine), and I have some lingering other issues that seem to effect my energy and feeling good any given day.

SO I recently moved to Fort Worth and don't use to use my god awful choice for health care which is United HC. (Thanks Fedex)

So after looking at the ACA Marketplace I'm considering these final two

Aetna with or without CVS Health (Not sure how this works anyway with CVS)

Blue Cross Blue Shield of Texas

I don't mind using an HMO

I take 8 different prescriptions some are for mental health while some are for medical conditions like HBP. All have been around for a while and aren't advertised (like OZempic)

I usually see a doctor for a once a year checkup along with routine panels of blood work

I'm just fat and overweight so I know that needs work.

Looking for something easy to usem in town though I'll drive to Dallas or surrounding areas if I have to. For the past 20 years I've had Kaiser Permanente out in southern California. Appreciate the help!