My plan is employer-sponsored, and not terribly expensive, but it's a very high deductible and I feel like I get less value for more money as the premium goes up every year. I also know that I pay a lot of out-of-pocket expenses because there are many things not covered fully until I hit my deductible. I have an HSA and I put the maximum into that, but it's not going to cover me if I should have a significant expense because I use it often enough that it's not more than my deductible. The whole system is not sustainable, and costs are out of control. After 10 years, I'm still waiting to see what the Republican plan is...because I don't think they'll ever have one.