I do not agree.
But then again, I understand there are a (lot) of posters on this website, including the site owner by the way, who agree with you. Strongly.
Which reminds me, I will shut up about this topic now.
:D
From where I sit. With special needs kids and a wife with type 1...
Life was much easier paying 450 a month and 1000 out of pocket for the family than the 5 figure deduct and damn near triple a month premium.