But Jill, California just passed it's own version on Oh,Bummer Care. Your policy now has to cover prostate surgery, while your 74 yrold grnd9fathera;s has to include maternity care for you… You're right though, a catastrophic policy with a HSA is the cheapest and best way to go. But the State doesn't want that…Also think about this. The State of California already has 25% of the population on medicaid. If it increases another 30%, that's 55% of the state!How do you think the State plans on paying for that?(You're right! Higher premiums for the rest of us!!)