Lifehacker: “I’m convinced that the luckiest people in America are those who have a decent health insurance plan paid for by their employer—but just one, so there’s nothing to choose. For the rest of us, each November’s open enrollment period starts anew the painful process of choosing the least worst plan offered by your employer. But the worst pain is reserved for those of us who have to navigate purchasing from the national Healthcare.gov site, or a state exchange. I’ve been getting my health insurance that way for almost 10 years, and although I’ve gotten better at navigating the process, the process itself has not gotten any better. Since a shocking amount of each paycheck is going to go toward whatever I select, it’s important I make a smart decision that will save me the most money on healthcare over the year, while not sacrificing the coverage I need.  Here’s everything I’ve learned to help make that decision easier—and it can help you figure out how to navigate it too…”