This study is an evaluation of the ratio of electric field to magnetic field (E/B), specific absorption rate (SAR) and signal-to-noise ratio (SNR) generated by three different RF transceiver coil setups: surface coil, surface coil with shielding, and microstrip using a finite discrete time domain (FDTD) simulation in the presence of a head phantom. One of our main focuses in this study is to better understand coil designs that would improve patient safety at high fields by studying a coil type that may potentially minimize SAR while examining potential changes in SNR. In the presence of a human head load, the microstrip's E/B ratio was on average smallest while its SAR was also on average smallest of the three setups, suggesting the microstrip may be a better RF coil choice for MRI concerning patient safety and parallel excitation applications than the other two coils. In addition, the study suggests that the microstrip also has a higher SNR compared with the other two coils demonstrating the possibility that the microstrip could lead to higher quality MRI images.