text: what is the best health insurance plan for someone who is self employed? oregon if you want a national plan (in the event you do a significant amount of travel) then you might want to use blue cross or medica.  i would suggest looking at a plan that has a deductible that is at least $1,500 for a single person or $3,000 for a family.  this will keep the premium costs lower and also qualify you for contributions into an hsa (health savings account).  these contributions are pre-tax and can be withdrawn and used tax free for qualified medical expenses.   this type of strategy saves you premium costs and taxes.  if you or a family member who will be on the plan has a large amount of health care expenses per year, you might do better to consider a lower deductible.  the increased premiums might be less expensive than the out of pocket expenses if you are more likely to use more services or ongoing prescription medications that are expensive.