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find a "good" health insurance guy in your area.. if he is good.. he will get you on a plan that will benefit you more... never overpay.. if you are paying $390/month . that is $4680/yr... plus copays and prescriptions!!!. if you go for a physical once a yr.. thats an expensive physical.. . I would think that you are a young healthy buck.. so a high deductible with a discount plan and a Health savings account would suit you well.. plus its a tax savings vehicle.. as well ;)
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