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Price tells you nearly nothing about medical insurance. As a former agent, I can tell you with confidence, that medical insurance policies are difficult to compare because the details of coverage are convoluted. In my opinion, one needs to buy the coverage that you can afford or tolerate. I said coverage - not premium.
If I were not on Medicare, I would strongly consider a high deductible catastrophe type policy. It would be something like a $1500 to $2000 annual deductible with a million dollar lifetime limit. It is not the first $1500 or $2000 that will destroy you financially. It is the $200,000 - $500,000 incident that will take you down. If you are paying $800 - $900 a year for a lower deductible, that is high priced insurance.
Just remember, regardless of what your agent says, the terms of the policy determine your coverage. Be sure to carefully read the exclusions. What the right-hand giveth the left-hand taketh away.
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