Terry did the insurance part, but because of the close relation he has with Delaware County Bank, he took care of all the paperwork for me for everything--the HSA and the health insurance.
I'm sure that Clay's agent is a good one, too, and if you're not getting the answers and the figures you want from one agent, it is smart to check with at least one other. And as Clay also said, I think most banks can set up the HSA for you. It seems to me that there is an annual fee connected with that, perhaps $75 or something of the sort.
The fact that you're young and healthy will of course work to lower your premiums, and your agent will know which companies to steer you towards so as to take full advantage of your low risk status.
Also, don't forget that just having a good health card will lower the cost to you of routine procedures. Ridiculous as it is, by being an Anthem subscriber, my rountine bloodwork costs me less than $30, but if I weren't insured, it is $260. My doctor charges $110 for a routine office visit, but it's $70 to Anthem subscribers ...... it goes on and on. If I get one MRI a year, the savings I get being an Anthem member more than pays my total insurance premium for 6 months.
Clearly, health care needs fixing.