We work with an agent to help sort this stuff out (no cost to us).
It’s WAAAY too complicated and confusing.
My wife is a nurse, who worked with medical billing, for many years, and still roils her eyes and shakes her head. Different plans / options are better for different people: including spouses!
Like a good travel agent, financial advisor, etc.: you can make your own choices, but somebody who works with this every day has more information.
‘A’, ‘B’, ‘C’, ‘D’, . . . Pretty soon the whole alphabet!
Philbert