does this plan seem like a good idea? its through my employer. i like the premium price obviously. im 32, live in indiana have no serious conditions that i know of. havent been to a doctor in 15 yrs. but would like a physical exam.

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does this plan seem like a good idea? its through my employer. i like the premium price obviously. im 32, live in indiana have no serious conditions that i know of. havent been to a doctor in 15 yrs. but would like a physical exam.
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