u/Formal-Opposite9440

I’m in my early 20s, generally healthy, and trying to figure out the smartest way to set up my health insurance without overpaying. I know the basics like choosing a high franchise but I’m curious how others in a similar situation approach this:

Do you go for the cheapest basic plan or prioritize flexibility?

What add-ons (if any) do you actually find worth it?

Have you had any experiences where you were glad (or regretted) your setup?

I’m especially interested in strategies that balance low cost with reasonable protection, since I don’t expect to use healthcare services often but still want to avoid bad surprises.