Our premiums have actually gone down for two years in a row. Deductible is only $1500/individual and $3000/family. Co-pays are $30 (and we don't have to meet our deductible before our insurance kicks in). We've actually gotten money back from our employer the last two years (several hundred dollars) because of the rule that insurance companies cannot make more than a certain level of profit (something like that - I'm sure I'm not explaining it correctly). Medication co-pays are low (5/30/60). Insurance company has been excellent in covering our healthcare needs.