Have you looked at the gold and platinum plans? I have found that they have no deductible and the plan is actually better then what I get from work, and cheaper too. The companies were all the same ones work places offer (Anthem, Blue Shield, Kaiser, etc).

My DH was complaining about it. The plans he was looking at were the catastropic plans. You don't need that.

Maybe it's the difference in our state or something. I'm in CA.