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an HMO but it included Palo Alto Medical Foundation and UCSF s••••

Your profile doesn't say where you live, but Pacificare suggests at least West Coast. (I calls it Best Coast.) Just for another point of reference, I have medicare with Health Net, also an HMO. Cost: $0.00 per month. Small co-pay for physician and for drugs. I think this option may be limited to L.A. county.

PAMF and UCSF suggest my neighborhood...

.. as someone else mentioned, options are per-county
(iirc medicare website had a zip-code search function )

My child-bride gets to pay $199 a month for Blue cross with a $3500 deductible.

but isn't she 'high-risk' because she saw a Doctor in the 80s?

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