<prompt> Human: I have employer sponsored health coverage that costs 75month. It has a 6k deductible, and 100 coverage after that. If I just look at state covered insurance, its roughly 150-200 per month and has anywhere from a 2k-5k deductible depending on the plan.I am 24 yo with no pre existing conditions. Im pretty healthy and hate visiting the doctor. Ive read some sites that say you should go for a high deductible because you can save on monthly payments if you dont visit the hospital often. But then again, if I break my arm Ill be out a bunch of money.Thoughts???  <response>: I think that an HDHP in conjunction with an HSA is a really good bet for a healthy person that doesnt need much medical care. The plan is relatively inexpensive, and you get to keep the contents of an HSA to which an employer might even contribute from year to year. Just an HDHP though...I feel like it isnt really health insurance, but it obviously depends on your personalfinancial situation. 