Every FREAKIN year they 'adjust' our insurance coverage at my work. Right now, to cover my wife and me, it's costing $153.13/paycheck and that's only half the premium. The company pays the other half.. If you do the math, that means the total premium is $663.56 to cover TWO PEOPLE. Ridiculous...we're in our early 30's, and we don't have kids. If we did, well, that would mean we'd have to do the "Family" plan, and the total monthly premium would be $1011.14...of which we'd have to pay half. Anyway, currently, we have a $20 copay on a regular office visit, and $20 for a specialist.. In/Out-patient is "deductable + 20%".. ER costs $150 + 20%.. Urgent care centers are $50. Scrips are $10, $25, or $40, depending on what 'tier' they're in.. Deductables were $250 for "individuals" and $500 for "family" -- though I've yet to figure out exactly how that works. Ok, so the new plan... ...regular office visit is still $20, but a specialist is now $50. In/Outpatient is still "deductable + 20%" -- but the deductable goes from $250 to $500 for "individuals" and from $500 to $1,500 for "family"! ER is now $200 instead of $150, and you still gotta pay the 20%.. Urgent care goes from $50 to $75. Scrips...$10 generics are the same, but 2nd teir is now $30, and 3rd teir is $60.. But wait, there's more!...now there's a 4th tier what's 25% w/ a max of **$150** out of pocket! We currently have at least one $40 tier 3 scrip, soooo...is it gonna move to tier 4?!? Hope not, I guess.. Best part? My rate actually INCREASED by a little over $20/mo. Icing on the cake? WE DIDN'T GET RAISES LAST YEAR.