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Tough to work out the math (Score:2)
Unfortunately, there are no easy answers. There are lots of parameters to work out, besides the rates and coverage (which are complicated enough in themselves). Whether a high-deductible plan will work for you depends on how often you think you'll visit the doctor, what your tax bracket is, and whether your coverage includes your family.
I opted for a fairly traditional HMO plan from Kaiser Permanente [kaiserpermanente.org] mainly because I'm familiar with them, so I know how to work the system; in particular, my children have an excellent pediatrician. Given that I can deduct premiums but not co-payments or co-insurance from my taxes, that worked out the best for me.
Good luck. Do your homework (a lot of homework) and it can save you a ton of money.
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