No vote again, I do not care for the options.
I do know that Blue Cross/Blue Shield are extremely expensive and , as a result ,wasteful.
Medical insurance, or any insurance are inefficient and promote unneeded treatment and procedures, IMO..
On that basis we should revert to the old system , NO INSURANCE !, instead pay as you go, and pay only for what you need - no more no less....But this only works for the responsible man who is smart and careful, and lucky.
With more insurance, and more "someone else pay", anyone but me, the medical price increases, and some one ultimately pays.
I believe that people should spend at least several hundred per year on their own maintenance, each and every year of their life. Then they should have a "catastrophic account" to cover serious medical emergencies....