I have an individual Blue Cross policy called PPO 1000. The deductable is $1000. It does not pay for office visits, prescriptions or diagnostics. Pretty much it pays for hospitalization and surgery. I have no debt and a home equity line of $75K at prime. My retirement income is around 20K/yr and growing. I grow my own veggies, surf and try to keep a calm but active mind. I hope this plan works as I can't afford more. Recently though, I was diagnosed with Hep C. I'm asymptomatic and have evidently had it for more than 20 years. I should be fine but scary to think I could get kicked off my policy.