We are self insured with a very sizable deduction.
I am so grateful we had the insurance but boy meeting that deductable really is tough. On top of that you still have to pay the almost $700 a month for the coverage.
(Thank you to the employer who cut our insurance 13 yrs ago)

What got to me was the amount billed to the insurance co and the adjusted amount they actually paid. There was one thyroid test billed at $104.00 and adjusted to $8.00.
Makes you wonder and shake your head in disbelief.
Maggie