Which medical insurance policy is generally least expensive for a young healthy couple with no children?

The most cost-effective medical insurance policy for a young, healthy couple without children tends to be a general practitioner plan. This type of plan typically covers primary care visits, which address most routine medical needs and preventive care, such as annual check-ups and vaccinations, without the higher costs associated with specialized services.

Young, healthy individuals generally do not require extensive medical services that specialists provide, nor do they have the need for comprehensive coverage such as family plans which often include coverage for multiple individuals and an array of medical services. Emergency care only plans might also appeal due to lower premiums, but they can lead to unexpectedly high out-of-pocket costs if any non-emergency care is needed. Therefore, a general practitioner policy balances affordability and adequate coverage for primary healthcare needs, making it the best option for this demographic.