Do what Neil says.
You don't say how many people are covered but it sounds like you need to look at different break points going forward.
The 20% copay in addition to the deductible is a killer. If you do the quick math assuming 2 people are covered you hit $15k in total deductible alone. Great plan for the insurance co.
What line of work? There are group plans out there for people in specific fields.
Check out
http://www.freelancersunion.org/health-insurance-a/