Kurt, your plan mentioned earlier is basically the same thing I have now (except the first $500 isn't paid) and the preventive measures it includes are weak. Deductible is 10k so I basically pay anything up to that amount. My monthly premium is $430 Which seems outreagous for such ****ty coverage. At the end of the day though, I can afford it, even if I have a major issue and have to pay $10k, I feel a lot worse for people that can't afford the $430 a month or 10k more in a year. **** like that for healthy under 35 year olds needs to change. I end up going to the doctor maybe once every 18 months anyways.