I'm 25 (single, non-smoker) and am getting quotes at 400-500/year. My COBRA option is 450/month. Feel bad about guys with a family (1,000/month). Do guys know any good high deductable plans? How about getting only catasprophic coverage? Also hard to find/decipher info on Health Savings Account and Medical Savings Account, any experience with those? Any alternatives to standard insurance? Thanks.