The answers to this questions are going to be all over *the board that they probably are not going to be too helpful. *What state do you live in? *Are you insurable? *How old are you? *How many are you insuring? *Do you have a group plan available or do you need to buy individual insurance? *
Martha's right. Trying to compare even insurance policy coverage from plan to plan and from company to company is like comparing apples to Volkswagons. Then throw in the the State to State differences, differences in current health situation, and age . . . and you end up with a huge range of insurance premiums.
Having said all that, here are our numbers:
DW and I - age 49 & 50,
healthy, non-smokers, not obese,
$1750 per person deductible on medical services,
$500 prescription drug deductible (separate from $1750)
80% coverage after deductible,
$10 to $30 copay on drugs after deductible,
~$10,000 max out of pocket per year,
Originally (just over 1 year ago) we started this coverage with a $1000 per person deductible and were paying $310/ month. After 1 year, without a single claim, we increased our deductible to the current value to keep premiums from increasing dramatically.