[Superman]

It's great that you provide this, or at least make it available at as reasonable a cost as possible. Individual policies are virtually nonexistent, I am told. The costs are rising exponentially, and it is quite reasonable that you watch those costs and dialogue with staff.

As to your question, the thing I want from health insurance is not cheap doctors' visits or cheap prescriptions. The thing I want is protection from catastrophic expenses. The kind that wipe families out. So, high copays and high deductibles are acceptable to me. I want my policy to be there for me if I suddenly incur tens or hundreds of thousands of dollars in emergency expenses.