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Don't know if this helps. I am single insured. No deductible. No kids. $10 doctor visits, $5 for generic prescriptions. Small business policy (7 employees) we are on Pacificare HMO. I pay $135/month. No lifetime cap. Those kinda scare me. You could easily go through 1 million dollars with a small accident if they insist on charging you $5 per aspirin in the hospital!
(I'm in Colorado)

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