Question for people who actually use their health insurance:

[thanate]

We're looking at a new set of plan options, and the new company has a boatload of supposedly good ones, and I'm the kind of mostly healthy ex-Navy ex-dependent who hasn't really needed doctors much since I was too young to be paying attention to the details, so it's possible that my eyes glaze over more than usual when faced with coverage summaries, given my relative lack of context.

For those of you who use your healthcare, what's important to you? Particularly with reference to possible kids & the having thereof... What features do you love about your plan (current or past), what do you hate, what's turned up suddenly to cause you headaches, etc.

Any input much appreciated!