I second GEHA HDHP to build your HSA.What would be the cheapest for someone with no family? In California if it matters. I was looking over the payments and there were a few that had no annual fee, is it just that simple? Besides the copays and what not.
Includes dental, as many have stated. When you look for a dentist please stay away from big names like Aspen dental. Find yourself an stablished mom and pop dentist.
Aspen Dental will tell you you need things you don’t really need just to charge the insurance and change you out of pocket costs. It’s their new business model = to rip you off.