It's not clear if that $1200 was spent on care, or on premiums. But in any case, a high-deductible policy with an HSA is a great option for people who don't ha

It's not clear if that $1200 was spent on care, or on premiums. But in any case, a high-deductible policy with an HSA is a great option for people who don't have ongoing medical costs (diabetes, young children, etc). Not only are the premiums lower, but unlike a FSA, you can roll the money over at the end of the year and build up a balance. If you do have ongoing medical costs, then yeah, traditional insurance (and maybe an FSA) would be the best choice.