Ended up going with fidelis. Although reviews online are terrible , the next option is an extra $1200 for the year, with identical coverage
No such thing, as pointed above. That being said, Fidelis is a non-profit, so as long as they are well run, they might provide better value. Also one anecdotal piece of information is that the company is actually called The New York State Catholic Health Plan, d/b/a Fidelis Care, d/b/a Fidelis Care New York. You can read up a little more about it
here.As long as the network is good enough for you, and you understand how the coverage works as far as deductibles and co-pays, that's the most important thing.