Hello! I’m 19 years old, thinking of applying for a life insurance but my main purpose po sana is to have HMO.. although, i’ve searched about Kaiser and it has HMO plans including investments too pero yung pinakamababa na premium monthly is 2.6k which is a bit heavy for me as a college student relying on allowance only. May suggestions po ba kayo na any insurance companies that offer similar plans with lower premium?