Hi Everyone,

While we're all debating the merits of each plan there is a GREAT PLANNING tool on the web site that will take last years costs and tell you exactly how much you would pay (premiums, co-pays, deductibles, out of pockets) for EACH plan (Gold, Silver, DPMP, Ruby, Diamond, etc) for the new year. While there is no guarantee that your health care needs will be the same this year it does give you another piece of data to help you with the decision. I'm not eligible for any HSA plans (no military retiree is) so my choice is Gold, Silver or DPMP (Tricare Prime does not work well if you're outside of a major met area).