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Open enrollment for health insurance began November 16 and the decision isn\u2019t any easier than last year<\/b>. On the contrary, not only are premiums higher and benefits lower, there’s greater uncertainty about the future of the Obama health care act<\/a>.<\/p>\n On a cold, cloudy Sunday afternoon, I analyzed my health insurance choices. Our choices and the way we’re asked to make them, are<\/b> unjust, maddening, frustrating and disrespectful.<\/strong> No wonder 81% of the American public hate their health insurance<\/a>.<\/p>\n First, see below how the choices are presented in the New York Marketplace<\/a>. There are 14 pages, each with ten plans. Each plan is described in what looks like a foreign language.<\/b> What is an ‘ST’ or an ‘INN’? Some plans have an ‘X’. That doesn’t sound like a good thing\u2026<\/p>\n <\/p>\n Then, there are the “metal levels.” They’re supposed to reflect a trade-off between low premium\/high co-pays (bronze) vs. high premiums\/low co-pays (platinum). The former is supposed to be better if you want minimal coverage; the latter if you use “a lot of care<\/a>.” If you care, as I do, about the total cost of healthcare, insurance premiums plus out-of-pocket payments, metal levels can be misleading<\/b>.<\/p>\n The choice and information overload gets even worse if you try a side-by-side comparison.<\/b> You’ll see a variety of co-pays, coinsurance, individual and family deductibles, and individual and family out-of-pocket maximums: about 70 rows of data. Multiply by 140 plans on the New York marketplace and you get nearly 10,000 data points.<\/p>\n