The one thing that causes me even more stress than our income taxes is figuring out health insurance. When I quit my full-time job to focus on my freelance career, I went from having a preferred provider organization (PPO) plan with a flexible spending account (FSA) to my husband’s high-deductible health plan (HDHP) with a health savings account (HSA). Just when I thought I had next year’s coverage figured out, my husband became eligible to enroll in an open-access plan (OAP) with an FSA. As if calculating medical expenses isn’t difficult enough, now my brain is like a bowl of alphabet soup. For the purpose of this column, I’ll only address our two options: the HDHP and the OAP. Wading through the benefits guide my husband brought home, I have to sort out premiums, deductibles, copays, and out-of-pocket maximums to determine the best solution to meet my complex medical needs.