[CurtEgerer]

Len - I just saved $20,000 per year on my health ins. costs. It's the same Blue Cross coverage I've had for my employees but I switched to a different deductible plan (can't recall the name of it right now ...). Originally, each employee had a $500 deductible for major procedures. I upped that to $2000 but agreed to pay the $1500 increase out of my pocket if they use it. If everyone remains healthy, I save $20K per year. Worst case scenario and everyone on the plan maxes out their deductible, I still save something like $5000.