[ChocChipCookie]

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.

[bethtopaz]

Yeah, I know about that pre-existing condition thing. I actually can't get insured by the company I sell for. I can also sell Blue Cross through Farmers Insurance, for which I'm a property/casualty agent, but Blue Cross is just so much more expensive. Also, check and see what your co-insurance deductible is, also. That the one where you have to pay after your first deductible. You pay 20 or 30 percent up to a certain amount -- there's a ceiling to it. Most people aren't really aware of that.
But like one of the posters said in the this thread - If you think health care is expensive now - just wait until it's free! (In Canada they pay 75 cents on the dollar for their health care and it's lousy. They come to the U.S. to get health care!)