What type of health insurance plan is best for a 39 year old that is in decent health.
Looking for a plan where the deductible is reasonable and can get the best health care from professional pcp's?
Answers | 2
This is just one way to frame the thinking. There are others, but if you are weighing cost and coverage, you will find that the cost is higher with richer plans and lower with less rich plans. Healthy people don’t usually purchase richer plans. People with conditions that are expensive to treat and also pernicious tend to purchase richer plans because the higher premium is actually a plus; it is insulation against treatment costs that can show up later (and often) and can outpace the high premium. In such a case, the high premium can actually be the lesser of the two. Make sense?