I have a fairly good cigna plan. The deductible is hi 1,500 which is normally met in the first few months covering p-doc,t, and regular dr . plus meds. After that it is 20%t m with an out of pocket maximum of 5,000-never met that. I have money deducted from my pay check into a healthcare savings account that my employer also pays into. All my healthcare costs are taken out of this account so that my family feels 0 affects on our household account. I recommend a plan like this if it is available to any one in the upcoming open enrollment periods. It really helps me not feel so guilty for all this money spent trying to keep me out of the hospital.