My wife’s insurance has a $4,000 deductible with a $6,000 max. The plan my company offers has a $5,500 deductible with a $11,000 max. We are on her plan, as it seems to have held steady over the years, whereas my deductible and max have slowly trickled up. Both premiums are comparatively reasonable. We’ve been blessed with relatively good health. She’s been funding her health savings account and I’ve been adding $250 per month to a different savings account marked for health care. I tell the young folks on my team to build health care expenses into their budget. I go into every year mentally planning on maxing out so we’re not caught off guard financially.