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the HDF, the HDG which will come, L and N all leave a person exposed to a potentially large number in different ways.
The HDF only exposes you to about $1,200 more than a Plan F when you include the premium difference. The N maybe $250-300.
You think you understand insurance but you don't.
And after all this time haven't you figured out what plan to buy? Or will this go on forever?
Rick