I am not quite sure what you are asking. My jobs always offered several plans for insurance I always bought the most expensive one I could afford for myself, the PPO plan rather than the POS or HMO. Talk to your personnel officer about your company's plan(s). You may have to wait until the next Open Enrollment though (November for next year) to upgrade/buy another plan or buy from the marketplace.

https://www.healthcare.gov/what-if-i...lth-insurance/

https://www.healthcare.gov/glossary/...llment-period/