Hi guys, I'm about to pick a new health insurance plans, but am presented with a few options that I'm unsure which option is the best way to go. The choices are $2,000 deductible w/copay, $2,000 deductible with HSA a co-insurance. The other plans are the same just with higher deductibles, like $4,000 deductible with copay, etc. I'm in my early 20's and am fairly healthy. I do go to the doctor for checkups every now and then and I feel like the plans with the co-insurance is not beneficial for someone like me because I don't go to the doctor enough to be able to pay $2,000 out of pocket. Anyways, those of you who have a better understanding on how these work, I'd love to hear your input on which one to choose.