If I where under 32, healthy, and single, I would go with a Major Medical plan where anything under 5K is out of pocket. I would put 5K away in a savings accoun

If I where under 32, healthy, and single, I would go with a Major Medical plan where anything under 5K is out of pocket. I would put 5K away in a savings account and then be done with it. In the long run it would be cheaper. Being that I am not and that I have a family I must carry a plan. After I left my last position I carried COBRA until it ran out. It was the best plan that we have ever had and we kept it until we cold no longer. After that, we picked up a policy via our accounting firm. Our Accountant's firm manages a lot of small business, consultancies and start-ups and acts like the accounting department for each of them. It is like timeshare accounting (and HR). Anyway they can negotiate group policies because they represent a larger pool of people which works out well. I always tell people a good accountant (and lawyer) are worth every penny, it is the people who most believe that they can't afford an accountant that usually can't afford to not have a good accountant.