[joshkaufman]

We use a HSA-qualified high-deductible policy from Humana One (https://www.humana.com/individual-and-family/) with 100% coverage after deductible, and we deduct premiums as a business expense. We make the maximum HSA contribution every year, which makes all of our family healthcare spending tax-deductible. Coverage can be obtained quickly and prices are generally reasonable, particularly if you don't have kids.

For routine care, we subscribe to MDVIP (http://www.mdvip.com), which has been fantastic. The subscription pays for a very comprehensive annual physical (of the type Fortune 500 execs get every year), and helps the physician maintain their practice with a smaller number of clients, so you can schedule visits same-day if you need to.

Because we cover healthcare expenses out of the HSA, it pays to shop around for things like prescription drugs. Tools like GoodRx (http://goodrx.com, details on how it works at http://kk.org/cooltools/archives/22342) help save a lot of money.

Hope this helps.