@JaredBusch There are plans (maybe not through the Health Exchanges). My high deductible plan plan is a LOT higher than yours $5250 for single, and $10500 for family, but it is a 100% (of covered items) after I meet my deductible. There are no copays either, I pay 100% of the high deductible first, after that the insurance company pays the rest. The insurance cost for me (total) through my company is $3081.50, of which I have to pay $523.80.