I'm 26 and trying to decide between three health insurance plans through my employer. I've been on the HSA plan for the past two years, mainly because of the lower premiums, but I'm starting to wonder if switching to one of the other plans might make more sense.

I'm generally healthy and don't go to the doctor very often, aside from the occasional illness. However, I've had a few health scares that just getting sick or having a very bad cough, over the past year that have made me think more about this. I've also been dealing with some muscle pain on the upper left side of my body. I've been trying to manage it with exercise and stretching, and I've seen two general doctors about it so far. Both thought it was probably related to posture or musculoskeletal pain, but it's still something that's on my mind.

Some of my family members have been encouraging me to switch to Choice Plus because of the lower deductible and cheaper doctor visits.…