What Is The Best Health Insurance You Can Buy? 
Although there are several ways to qualify `` best '' , I will try to adress some of the most popular views of what would be best . If you are refering to the best coverage then a `` Platnum '' plan - 90 % coinsurance coverage from the insurance company , with little to no deductable , this type of coverage would be structured as a PPO plan . If you are refering to the best coverage at the lowest cost then a Consumer Directed Health Plan would be the best way to ballance the two opposing variables . CDHP 's are health insurance policies that combine a variety of different structuring options -LRB- PPO , POS , HMO , etc. . -RRB- , however they have a high deductable that must be meet before the policies coinsurance would cover many medical services -LRB- except for routine , and preventitive care -RRB- . The high deductable reduces the cost of the plan and is offset by a Medical Savings/Expense account . 