Regular plan is the least expensive, but it is also the most restrictive in things like orthodontics, dentists and preventative things. Also disqualifies you from a good auto insurance deal. I am trying to find out why some other benefits are disallowed if one chooses the regular plan. We have been on the choice plan for years because of well baby care after the birth of our kids. Don't need that anymore so trying to accomplish due diligence and make the best financial decisions for my family. The Group rate for auto insurance would save us 1000 a year over Geico. Couple that with regular plan savings and we are talking a nice chunk of money.