Something next to normal, that's the thing I'd like to try

I work for a health insurance company. One of the things I've learned is that the plans that we create follow the market. For example, in order to reduce their own costs, employer groups want plans that put more of the burden of healthcare back on the member/employee. That's why we have plans with monstrous deductibles on certain services, and plans with very limited networks of doctors/hospitals... which really creates a class of under-insured people. My state requires that everyone have health insurance or they get whacked with penalties, so they can't afford not to have it, but they also can't afford to be sick, either, which is really sad.

... which is a really long-winded way of saying *sympathy* and I completely understand. Having smaller premiums is not so much "YAY!" as people think it is.