So how does someone live a life, if they are to shell out (in her case) $3600 a year in monthly premiums, on top of the $6000 deductible. Add in Rent, a likely car payment, maintenance, food, utilities & of course, all the damn taxes that comes with it, how is someone like her to have any sort of life? She needs to seriously put up the one-fingered salute and take her cash to a doc who'll accept cash only.