My husband is part owner of his small company. We pay $650 per month for me and the kids (he is free) for our HSA plan. Our deductible is $2000 individual and $8000 family. Our doctor visits are anywhere from $65 - $200 depending on the type of doctor seen (my rheumy visits are the $200 ones).
Once we hit the deductible, everything is free. Prescriptions and medical care are all applied to our deductible as the insurance company sees fit and not everything is approved. They are terrible about authorizing medications. They don't allow me to have Celebrex and without insurance, it costs $400 a month (so needless to say, I don't take it). They have even denied my prednisone refill, so we had to call them.
I think our family is an extreme case with the high cost of insurance. My friends don't have the high cost that we do and I am sure it has to do with the small size of my husband's company.
Psoriatic arthritis dx 7/2013, minus the psoriasis. SI joint, hip, knee, elbow, and foot pain since 2006. HLA B27 positive, mom has AS. Currently on Predinsone and will start drug trials in September.