Mine is less than $3,000
and I feel I pay too much
since I never go to the doctor.
I keep a high deductible to keep the monthly down
basically a catastrophic plan
My wife's a walking pharmacy and I never go to the doctor. Her employer only provides an HSA. I can have her covered under an HMO or PPO (better for those who live at the doctor), but only if I pay for the family plan (which is the same whether your family is 2 or 12).
Anything to encourage more choices and lower costs is fine by me.