(The only thing I can say is that the plan I get through my job is surprisingly good, and the deductibles are pretty decent. I'm not sure if it being a private family owned business has anything to do with it, but the owners there really seem to care about their workers. They don't make you wait six months to a year just to get insurance, and they just went through a whole debacle to get us something cheaper because what we had was trying to raise their premiums insanely high. I think I got pretty lucky here, other people's stories sound like the things nightmares are made of) LOL