I have Regence Blue Cross/Blue Shield of Oregon (HMO). I have chose to go with the family $7,500 deductible, HSA (health savings account) plan. I have a home “line of credit” that if I needed to, I could tap into. With Obama’s forced (legal/not legal) health care it has turned the insurance industry upside down and inside out. Perhaps only a medical lawyer could estimate the best way to go. I try to avoid lawyers. I would sit down with a local multiple insurance provider and discuss options.