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Message: <blockquote data-quote="bacha29" data-source="post: 4622435" data-attributes="member: 58386"><p>Sounds about what is just about everywhere else. You've got two choices. Take lower copays and deductibles in exchange for higher premiums or the opposite. It's all relative. I like what an insurer advisor told me. Take the premium difference and put that in the bank to pay for the higher deductibles and copays. If you never need it, you're dollars ahead. Now I know that this doesn't happen everywhere but the insurance rep who wrote my policy laid it all out in front of me and showed me how the increased coverages were in perfect lockstep with higher premiums. It takes discipline to set that money aside every month and resist the temptation to use it elsewhere but the potential pay back is no doubt there.</p></blockquote><p></p>