Some people may perceive that a more expensive health care plan is a better plan.  This is most likely not the case.  You need to look at your health and how you currently use your health insurance plan.  When you compare the details of the plans available, ask yourself: if you get the less expensive health plan, and you need to pay for those services that would be covered in the more expensive plan, add those costs to the cheaper health plan, and then compare those costs.  We think that you will find that in most cases, you will spend less money/year on a low-to-mid level health insurance plan. 

When comparing health plans, it is sometimes easier to estimate how you use the health policies if you stay at your current state of health, and then compare the health policies again considering the “worst case” scenario.   If something very serious were to happen to you, would you have the right coverage?  Look at these two perspectives and break this down to a simple math problem.   Adding up all the costs of both scenarios will sometimes make choosing the right health care plan very easy.