Wow! Who are you getting your health insurance from?! I sell health insurance for a living and if you live in California I KNOW I can get you a better deal than that!!
We have Blue Cross. When we raised our deductible to $5000, our co-pay went up to $30, so you'd better believe I make sure my kids are truly SICK and in need of a doctor before we make an appointment. At this point, though, we're pretty much stuck due to the whole pre-existing condition thing. We're actually both healthy, but I had a gallstone attack last year, dh was diagnosed with fibromyalgia a few years ago (but has since recovered), and I don't think another company would accept us. We are working toward getting our savings built up just in case we ever do need to pay that deductible.