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ok, starting to get close to Snapping! looking for health insurance and this is not going well................... $500 a month for my wife and myself.......................... coverage description is shady $10,000 deductible...............uh ok $5,000 per person per year $12,000 out of pocket per year........ $6,000 per this is the cheapest that is offered to us.... so far Copayments/Coinsurance:A copay is a fixed amount (for example, $15) you pay for a covered health care service, usually when you get the service. The amount can vary by the type of covered health care service. Coinsurance is your share of the costs of a covered health care service, calculated as a percent (for example, 20%) of the allowed amount for the service. You pay coinsurance plus any deductibles you owe. For example, if the health insurance or plan’s allowed amount for an office visit is $100 and you've met your deductible, your coinsurance payment of 20% would be $20. The health insurance or plan pays the rest of the allowed amount. Primary Doctor: 40% Coinsurance after deductible Specialist Doctor: 40% Coinsurance after deductible Generic Prescription: $20 Copay after deductible ER Visit: 40% Coinsurance after deductible So the way this reads is I pay 100% til I reach my deductible???????????????????????????????????????????? now this lady in my shop says she pays only $24 for her and her son qualifies for .... wait for it........ ACCHS mind you she's married and I'm pretty sure she's not reporting both incomes. I'm not paying for someone else to have insurance.... I'm not rich nor do I make a lot of money. this is redistribution of wealth and is the definition of SOCIALISM!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! they can kiss my AZZ! if there is something I'm not getting please let me know. AAAHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHH! James