Im fixing to have to go down this hyber hole myself at the end of this year and i dont even want to think about it cause it is so screwed up, for me i have never met my deductible with any medical insurance of any kind only go to the doctor about once every 3 years when i have to and usually only get 1 or 2 prescriptions at that time so no matter what im still having to pay out of pocket for everything.