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We have two individual policies: one with Blue Cross, $2250 per year deductible for each of us, covers most everything. $192/mo for 2 adults. We live in Bay Area. This deductible policy was about 1/2 the rate as a $25 copay one.

Second is reg health ins. with Blue Shield for our 17yo daughter. $15 copay per visit. Its about $90 per quarter.

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