My husband has his own business therefore we supply our own insurance. And in order to keep our rates from killing us, our plan isn't the greatest. I pay out of pocket the first $5000 for anything that comes up. Then after the 5 grand, I'm covered. A series of 8 iron infusions runs around $3000 which I paid for this past summer. And for us it only will get worse with obamacare. Ugh.