You guys are probably gonna hate me . . . I checked my plan, just to make sure I remembered correctly, and I did. My in-network deductible is 650 dollars. My premium is 90 dollars per pay check. There's an even cheaper option I can get that has a 1500 dollar in-network deductible for about 45 dollars per pay check. That option has very few fixed copays though. Benefits of working for a multinational mega corporation, I guess . . . I seriously know some people who get better insurance though, like a zero dollar deductible HMO with a 400 dollar a month premium for a family of four.