I have looked into Medical Savings Plan for myself, wife and one child. Rate was less than $300 for all that I got quotes from (Humana, Anthem, Fortris I believe). This was with deductable of between $2500-$5000 then 100% coverage thereafter. Details varied plan to plan... Fortunately I am still employed part-time and have insurance through them. However I would seriously consider MSA if I ever go out on my own. It is not the first $2500-$5000 that scares me so much as it is the next $200k! It wouldn't take long to save up $5k if you are saving $600 a month in premium plus it is tax deductible as well.