Yikes - can I ask what your deductible is? That's just a little less than what we pay for our family of four w/a $600 deductible, and then 80/20 until we've paid $1,600 out of pocket (per person... if two meet their $600's the whole fam is at the 80/20.... if two meet the $1,600, the whole fam is at 100%). DH's employer picks up 60% of our premium.