Well, I have years of experience with this - my husband is self employed and we have paid for years - we keep increasing our deductible because the prices keep going up. I am in my late 40's - my hubby is early 50's - we have some issues but not anything - mostly the aches and pains of getting older - we pay (sit down) over $ 600 per month - with a high deductible - its outrageous how much it keeps going up - I am afraid we are going to be priced out of it soon. Good luck and stick with a solid company like Blue Cross/ Blue Shield or whatever you have locally.