Assumptions:
1) You are healthy
2) Your zip code is 80233 (Denver)
3) NO tobacco use
A lowest priced policy available has a $7,500 deductible, $1,000 separate deductible for prescriptions, and no doctor copays. Monthly premium is $36.23.
An HSA type policy with a $5,000 deductible costs $54.74 per month.
A "good" policy with a $500 deductible, $1,000 in co-insurance, and co-pays for doctor visits & prescriptions costs $197 per month.
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