I am currently on VHI Health Plus Access Plan under my fathers company scheme with renewal at the end of January. I am a female in my late 20's who has no existing medical conditions and feel this plan is too expensive and I should be able to lower my plan but don't want to reduce care too much due to waiting periods if you upgrade your package again. I have looked at HIA website it is still very confusing. So any recommendations are welcomed and thanks in advance for responses 