watch what you wish for, not sure how things work in other states but in VA. if the company you work for provides insurance you have no choice but to purchase that insurance no matter the cost no matter if the plan doesn't cover anything,you can not go out and buy insurance from any other insurance company, where I work we have 3 insurance tiers, the bottom of those policies has a 9 thousand dollar deductible, only pays between 30 up to 60 percent of prescriptions, it cost the employees 200 every payday witch is 400 dollars a month, the best policy is 5000 dollar deductible 80 percent of prescriptions, and pays 60 dollars on specialist, it cost a looping 800 dollars a month who can afford these prices, its bullcrap, the country should have free insurance for everyone, look at Denmark everyone there has free insurance, if anything county like that can do it then the united states shouldn't have a problem being able to do the same