Don't get me started! I work for a small company. I was paying 25% of my (employee) premium and 75% of the family portion. This was a copay plan requiring $25-35 per office visit ($35 for specialist) and $10-$40 for prescriptions. Pretty lousy plan. Had I elected to stay on the same plan this year, my out of pocket would have been over $16,000. Outrageous! Before you say, "Get another job," I have been trying for a while and wll continue to do so. I switched to an HSA plan where I pay 100% of the first $3000, then the plan kicks in. This should only cost me $11,000 out of pocket including my portion of the monthly premium! If you have a deal for 20-25% of the premium, take it. It is a great deal compared to what many of us pay.

Rent Michael Moore's Sicko. I know Michael is the flip side of Rush Limbaugh politically, but it does make you wonder why the USA ranks number 37 in the world in quality of healthcare.

...steps off soap box.