Quote Originally Posted by smurfalicious View Post
... I need to figure out this insurance thing.
There's NO figuring out the insurance thing... It's a mess, with a language all its own.

If it wasn't for the risk of catastrophic illness or injury, I believe that it would be cheaper for us to pay out of pocket and not carry insurance. I think this is the principle behind HSA's- Healthcare Spending Accounts.

Don't do the math as you did and figure the cost/office visit...the reason you have insurance is in case you DO get in the train wreck...

I recommend you go for as high a deductible as you can afford, save the difference in premium in an HSA for a really sick day...