Christine, I also have an individual plan with a $5000 deductible, but I also have another non deductible plan that covers up to $4000 a year. If I need to use both plans at the same time than my deductible goes down to $1000 out of pocket. The larger plan insures me for $1,000,000 per year and doctor visits are $20 co-pay. I can also get a physical or a colonoscopy with a $20 co-pay. The deductible kicks in if I have a major condition. I am paying $180 per month for the $1,000,000 plan and $65 per month for the $4000 plan plus $11 per month for dental and vision.$256 per month total. I have been on this plan for over a year and have yet to use it. Ben

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