You might want to increase your deductible.This is the highest deductable plan they offer at $2500/year/person.It also requires a 30% copay on everything up to a maximum of $7500/year, but allows a lifetime benefit of up to $5M.I show the rate for a single 50 year old in Tier 1 as about the $200 you mention. The $500 I will pay is for a couple.So in the case of our hypothetical 60 year old in tier 5 paying $2550/month for insurance:They pay the first $2500 on everything. On the next $17K of expenses they will pay another $5000, and after that, up to $5M they pay nothing. Anything over $5M, they pay:-)Not to laugh, but I was talking to my insurance agent, and her daughter racked up $2M in medical bills due to a fall down the stairs:-(--Alan
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