Another point to consider: my out of pocket maximum might be lower (it's not, but let's assume it is), but so much less is covered now than before. I used to have a copay for doctor's visits, ranging from $20 to $30 depending on my employer at the time. So if I was visiting the doctor say, a dozen times per year (including wife and kids), I was paying $100/mo + $30/visit = $1,580/yr just accounting for doctor's office visits. At $300/mo and $140/visit (average; higher if tests are performed), that's $5,280 in out of pocket costs for doctor's office visits.

And that's not counting specialists-- my daughter had a heart defect at birth, so now she has to see a cardiologist every other year, which has the happy(?) benefit of pretty much eating up my entire deductible in one fell swoop right there; before the ACA, I paid $50 for a specialist visit and maybe a few hundred extra depending on which tests that particular specialist ordered.

I have a deductible of $3,000. If I spent it all on doctor's visits (that is the vast majority of my medical expenses), I'd have to visit the doctor 120+ times to make it cheaper to have a $3,000 deductible than a $25 copay for doctor's visits. My out of pocket is quite a bit higher than that $3,000 deductible.

You're correct that I don't know the difference in out of pocket maximums, but I do know it's a great deal higher than it used to be.

As for "what type of plan I should be on", I really don't have a choice. My employer offers what amounts to basically the same plan through two different insurers, and the main difference seems to be which doctors are on which insurer's network, so in practice, it doesn't matter which one I pick-- the out of pockets maximums are broadly similar, and the deductibles are identical.