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When you have a choice of health insurance buy the plan that doesn’t have any deductibles if you have to visit the doctor or specialists a lot. My husband has been having to have a lot of tests for a problem with his throat, and I had a baby, and we ended up paying about $6000 more in health care last year than the year before because we had changed insurance plans when my husband changed jobs. We don’t have any choice over which plan we use because his company only offers one, and we are really not that happy with it.