Anon, feel your pain…spouse anon and I pay over 3k per month..5500.00 deductible per person up to 11,000.00 before the coverage is at 100 percent coverage. In addition a warning to all..don't go on vacation and get sick, because at that point..out of network costs kick in, that are over 25000.00, nasty surprise to all tucked away in the fine print. If you really want to calculate the total cost of your insurance don't forget the deductibles as these are your out of pocket expenses.