With all these interesting debates swimming around here, I would like to mention that I saw what a person's deductible would be on a lower classed premium. WHAT THE????? I have been blessed with good health in my life (knock on wood) and have had coverage and still do, but I have never seen deductibles in these ranges. I could see paying the $400-$600 a month for the coverage or tax if you like, but how the hell would most people be able to pay the deductible. So the question is what is really the difference from now and a year ago. I come into a hospital, have my new insurance/tax card, have a procedure, which is expensive. The insurance company pays what they said they will pay, and me, I cannot afford the deductible, so I don't pay and get sued or have my credit ruined or file for bankruptcy. So how much does the hospital have to swallow now as opposed to a year ago??? Let us hear some truthful and credible answers.