Haha, yeah. The sad thing is that over the last two years my school hasn't dedicated a single minute of lecture or small group to talking about the different kinds of health insurance that our patients may have or what the different plans mean. I'd bet 75% of the kids in my class are still on their parent's insurance and couldn't even tell you what kind of plan they're personally on, let alone be able to articulate differences between the common options. Although we did get a few lectures from our state medical association on why Obamacare is the devil. I guess that counts.
I had a lot of trouble looking up the answer to that one. I think HMOs have the lowest out of pocket, but I still don't know if that was correct.