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Originally Posted by gregtx
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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I was just reading up on those. You get to take a deduction on the amount you put in the health savings account, but then you can't write off the monthly premiums on the policy.
That's pretty fucked up.
At least with the more expensive policy you get to deduct all of the premiums.
I'll have to crunch some numbers to see which is best overall.