[z28dreams]

Mika's right - I'm in the process of changing jobs, and just applied for an HSA account w/ catastrophic coverage.

I'm 27, and it cost around $40 a month with a $5000 deductible. That's $480 a year... where are you guys seeing > $1000 a year ?!?!

HSA's are a GREAT idea if you are young and normally healthy. Even if you have a regular 9-5 job, you still still look into these and see if your boss will let you use it as an option. Think of it as being able to keep your premium at the end of the year if you don't actually use it.

Someone told me to use the Golden Rule plan, but I ended up going with Humana because for $10 less a month, it also allowed $300 of annual checkups and had a higher lifetime maximum.

For OP though, the preexisting condition will probably trump all other decisions - so check into your state laws.