i just went to ehealthinsurance.com to look at health insurances for just myself. they have alot of stuff that i do not know what it means like plan type. which plan type should i get: ppo or hmo. next they ask about the deductibles. what kind of deductible would u recommend getting. i have no idea what a dedectible is anyways. they also have a catergory about coinsurance and office visits. if possible maybe you could just log into there as a 20 year old and tell me which is hte best insurance for its price. im really desperate i have no insurance and dont want to take the chances. thank you

Call Blue Cross. Get the number from 411.
They will explain a plan for you.

If you are young and healthy, you probably don't need the PPO, so go for the HMO because it is cheaper. Go for a high deductible policy- if you get hit by a bus, you will have to pay more out of pocket. But if you don't get hit by a bus, you will save money, because your monthly payments to the insurance company will be much lower. If you just have something really minor wrong with you, like a cold, go to a walk-in clinic and pay out of pocket. Hopefully you won't have many health issues!

What you just explained is the reason why people are generally better off dealing with a local agent who has access to multiple companies. 800-whoever or a random website is not set-up to make recommendations based on your personal needs or explain jargon in a way that you can understand it. That type of call-center environment also tends to have the least experienced agents staffing the place. Find a local agent who can explain this stuff to you.