I have Blue Cross/Blue Shield Advantage Plan,there is no monthly payment, but it is kind of 6 of one, half a dozen of the other, because there are co-pays, and you have to spend (6 thousand or something like that....before they kick in and pay everything; because (I am 73), my health as always been amazingly good, I went with that plan (only see the Dr.once a year); somewhere down the road, I might have to go to a different plan where I am paying a monthly premium. Yes, the task was daunting to figure it all out!