The only way that the lowest premium will actually be the cheapest and lowest costing health care plan is if you do not go to the doctor or get any prescription drugs during the course of the year. For example (and this is just a rough example to illustrate a point), let’s say that you have a condition requires monthly checkups and medication – 12 doctor visits and 12 prescription drug purchases.

• Plan A – $50/month; $60/doctor visit; $50/prescription
  Assuming the above scenario, this person will spend $160 per month; or $1,920/year
• Plan B – $100/month; $25/doctor visit; $25/prescription
  Assuming the above scenario, this person will spend $$150 per month; or $1,800/year

This was obviously a very simple example, but it goes to show that different plans could have different effects on the amount spent/saved each year.