I just don't understand how health insurance carriers can vary so much much in cost. Here is an example in california for you the family is located in Los Angeles County not the most expensive or least in california either. This is a family of four: 53 y.o wife, 56 y.o husband and two teenage boys. These are all HSA plans from the major PPO carriers in California. I just can't figure why so much difference in premium costs I am fairly new in the health insurance world but I would assume it may have something to do with how many people have policies with each carrier or is that a myth? Here is the example: Blue Shield Spectrum 8000 HSA $ 556.00 Blue Shield Spectrum 4800 HSA $ 679.00 Nationwide PPO Saver 9600 HSA $482.50 Nationwide PPO Saver 7200 HSA $559.14 Nationwide PPO Saver 4800 HSA $630.00 Nationwide PPO Saver 3500 HSA $759.41 Aetna MC HDHP 10,000 $529.00 Aetna MC HDHP 6,000 $651.00 Assurant One Deductible 10,000 $871.66 Assurant One Deductible 7,500 $1,015.69 Pacificare HDHP 10,000 $ $451.00 Pacificare HDHP 5,400 $ 549.00 Pacificare HDHP 3,000 $ 703.00 Healthnet Simple Choice 8,000 HSA $ 321.00 Blue Cross 7,000 HSA Compatible $ 336.00 I usually compare everything to the Blue Cross HSA at a family deductible of 7,000 with all the other plans. I just can't believe the difference in prices does anyone no why this could be or have thoughts on why this is? The lowest priced HSA's in california are usually in my area are Health Net, Blue Cross and Nationwide. When I am quoting families the one in bold is the one I will quote to families for HSA's these are all 100 percent co-insurance plans.