The lowest cost overall is a high deductible plan. For my wife and I at 62, we pay the first $6000 and the plan pays the next $7,000,000. Our plan costs $330/month. Put Money in a health savings account and it is income tax deductible.
Best site to check for insurance in you state is
http://www.ehealthinsurance.com/ehi/...allid=Goo25151