It depends on how healthy you are as to what you should get. If you are healthy and just want to protect yourself from anything big you could get a hospitalization and surgery plan which would only cover those two things. They are cheaper than a regular plan. If you are single then you can find rates which are fairly reasonable for regular policies through companies like Blue Cross Blue Shield. The only way to get a lower premium though is to raise your deductible. If you are healthy and rarely go to the doctor a high deductible is probably the way to go. I have Blue Cross and Blue Shield for my family. My wife and daughter are the expensive ones to cover, especially my wife with maternity coverage. Truthfully prices have gone up with health insurance because of Obamacare. If that gets repealed then maybe prices will stay level or drop just a little. At the end of the day insurance is a game and the insurance companies do everything they can to make sure that they win, but you got to have it in case anything major happens. Hope this helps.