[josephturnip]

I haven't looked at HMOs, and I'm really skittish about the idea of going without. I'm currently thinking catastrophic + HSA. Though I'm in my mid-20s and generally in great shape, I've had a couple friends who had really serious medical problems, so I've got some availability bias working against me.

[Mz]

Newish US law: If you are under age 26, you may be able to get coverage through your parents.

[ixacto]

I'm using this right now. It used to be 24, but Obamacare raised it to 26.