I'm finding that the lowest level of my company's "insurance" doesn't pay for shit.

They want you to meet the deductible ($2500 or $5000) before they even start doing 80/20.

And my lowest cost dental? It only covers cleanings. Might as well pay for that with cash and save the money.

So you really need to look what they cover OP. You're better off with an 80/20 plan with a high monthly rate than a 0 plan with a low monthly rate. Unless everybody in your family is like super healthy and never has accidents. But even then I would pour money into and HSA as one accident or diagnosis will drain your bank account.

US health insurance sucks ass. Thanks a lot Republicans!