We are goign through open enrollement right now at my company. Previous to this enrollemtn I was paying $900 per year for an HMO (connecticare for you Ct peeps) now, the company says they are paying to much $$$ for our health insurance therefore they are ousting the HMO plans and goign witha PPO, we have a 4 choices: 1 - Blue Cross Blue Shield with a $400 deductible $2000 out of pocket maximum 2 - Blue Cross Blue Shield with a $1000 deductible $2000 out of pocket maximum 3 - Aetna with a $400 deductible $2000 out of pocket maximum 4 - Aetna with a $1000 deductible $2000 out of pocket maxium. Now the two plans cost teh same, its basically preference of provider. My previous deductions for this current year was $47.00 with 70% of my pay if I become disabled. I still get $25k life insurance from the company, and my dental plan premium remains the same. THe $400 deductible plan will cost me $65.25 per pay period ( i get paid 24 times a year) and the $1000 deductible will cost me $54.69 per pay period. This DOES include the 70% LTD as well as 3 days bought vacation ( I will be carrying over approx 33 hours from this year, and I will be receiving 21 days come Jan 1 with a total of about 225 PTO hours next year) Now I do not go to the doctors all to often. The only time I really go is if Im deadly sick to just get a prescription. If you were in my shoes, which option would you chose. It is about an $11.00 difference per pay period to have the $400 deductible.