Me and the 2 kids are 350 a month, high deductible plan. Our deductible I think is 11k. That being said, the deductible for the top tier plan was 7500, with a 600 premium each month. So I'm saving 3k a year in premiums...while there is only a 3500 dollar difference in deductibles, no brainer to take the hd plan. Employer also throws 500 bucks in an hsa account for me each year for taking the hd plan. Its basically comes out the same but I'm paying a lower premium.
Family plan would be 1100 a month to add the spouse, she got single coverage at her job for about 200 a month.
