1. 12689 POINTS
    Ted Ratliff
    Owner, SFS Associates,
    If you want the least exposure at the lowest premium then I recommend looking at an HSA qualified plan.  The deductible is higher but if you are healthy you will save more on premium than the one or two doctor visits per year.  An HSA qualified health plan will provide the most protection if you do have to go to the hospital or your health turns bad, at the lowest premium.  A good independent agent dealing with health insurance can help you find a plan that fits your budget.
    Answered on May 21, 2013
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