Just for giggles, I'll mention the state of my medical insurance here.

Monthly premium: $296
Annual Deductible: $5500

For my $3600 a year, I get an annual physical with blood work and an annual gyn visit with mammo and pap smear. Oh, and of course I'm also charged less by docs because I come in with insurance.

Beyond that, I have to pay $5500 out of pocket before my insurance will start covering anything.