That's your choice, but it might be useful for you to know:
I checked some private healthcare insurance where I live, and the difference in cost between these plans was in fact only $800.
I checked some private healthcare insurance where I live, and the difference in cost between these plans was in fact only $800.
And it's not "my choice." That's mathematically how you evaluate different alternatives. All other things being equal, would you not value a house with a pool higher than one that doesn't?
I didn't do that calculation on a "for me" basis: I looked at the generally advertised cost. Paying in advance is cheaper for anyone taking out a policy.