[rdl]

I'm pretty sure this is an incomplete way to pick insurance.

Obviously under 26 is different, or over 65. Or military or veteran. Exploit spousal insurance if that works for you too.

Otherwise, I care about being able to see my current doctor or choice of great doctors, which is where Kaiser totally fails, and where HealthNet also is inferior to the better plans (blue shield or anthem).

High deductible plans (for HSA) come out pretty well; I paid $90-118/mo for mine at 31-33 (big increases the last 2y due to 100% preventive coverage and no lifetime limits, so it was easy to cost the insurer $300/y on a catastrophic plan....)