<prompt> Human: So I have employer sponsored insurance, the only option is 75 month, basically it has a 6000 deductible and 100 coverage after that. Going on to the healthcare site I see plans with a lower deductible starting in the 125-200month range. I make about 30k year.I am an average 24 yo male, pretty healthy, no pre existing conditions, and I typically avoid the hospital when I can. Do high deductible plans seem to be my best bet?  <response>: Generally speaking, yes. Ive always thought about it like gambling - youre betting that you will need to utilize little to no insurance benefits in the next year. You might lose that bet, with some unforeseen illness or injury causing you to owe up to 6000, but you are pretty likely to benefit in terms of saved monthly premium payments.So consider if you do need to exercise the benefits, how badly would a 6000 medical bill hurt you - even though it is unlikely? 