The Patient Protection and Affordable Care Act, better known as Obamacare, has drawn criticism from those arguing that premiums will go up under the law. But while many focus solely on premiums, other concerns have recently arisen about costs under various Obamacare plans.

In the following video, Dan Caplinger, The Motley Fool's director of investment planning, looks at how different plans in the same general tier can have much different benefits. Dan cites a Wall Street Journal study that looked at the cost of Bristol-Myers Squibb's (NYSE:BMY) and Gilead Sciences' (NASDAQ:GILD) Atripla, finding that different plans involved out-of-pocket costs ranging from $55 to more than $900 even though all the plans were in the silver tier. In addition, a look at various policies from Cigna (NYSE:CI) revealed that being in-network makes a huge difference, with costs falling to near zero for in-network coverage versus about $1,100 for out-of-network prescriptions. Dan concludes with the need to be diligent in matching the plan you choose to your medical needs.