Which health insurance to choose from? Need opinion

<!-- SC_OFF --><div class="md"><p>Good day, everyone.</p> <p>I recently began working with the DOE and am currently in the process of selecting a health insurance plan. I am hoping to choose an option with no premium cost, if possible.</p> <p>I would appreciate any guidance or recommendations regarding the following plans:<br/> NYCE PPO Basic<br/> HIP HMO Basic<br/> HIP HMO with carve-out rider (approximately $5 additional cost)<br/> MetroPlus Gold Basic</p> <p>For context, I am generally in good health and typically visit healthcare providers for annual check-ups and dental care, although I do occasionally become ill, especially due to frequent exposure to children.</p> <p>Any insights on which plan might be the best fit, or experiences you may be willing to share, would be greatly appreciated.</p> </div><!-- SC_ON --> submitted by <a href="https://www.reddit.com/user/Odd_Breadfruit_7840"> /u/Odd_Breadfruit_7840 </a> <br/> <span><a href="https://www.reddit.com/r/AskNYC/comments/1t10zmg/which_health_insurance_to_choose_from_need_opinion/">[link]</a></span> <span><a href="https://www.reddit.com/r/AskNYC/comments/1t10zmg/which_health_insurance_to_choose_from_need_opinion/">[comments]</a></span>