When I became a doctor, last year, I had to sign up for health insurance. The hospital where I work offered two primary options, a Value plan and a Plus plan. One cost less up front, while the other promised more benefits. I didn’t know which to choose; after factoring in co-pays, deductibles, and variations in coverage across networks of doctors, it wasn’t clear which would be more economical. Ultimately, I enrolled in the Plus plan, the product of guesswork more than reason.