Well I guess that's what happens when you charge a family of 5 $3,100 a month while also expecting huge deductibles to be paid before they need to chip in their 80%. I have never disliked a company so much and we have purchased their insurance for about 14 years now. They'll keep making huge profits because we can't afford the deductibles so we don't get healthcare that doesn't threaten life or limb. What a deal. For them.