You know, I did the math comparing that thousand dollar plan to the traditional 20 buck copay plan they cleverly tried to steer people away from, and as it turns out, under that plan in 2006 I would have been 1K out of pocket, compared to $300 via the copay system. This year so far has worked out to similar amounts. If your going much past 2K in overall payments, your better off with the 'old fashioned' plan I think. Especially with all the medical emergencies D had this year, it really paid out for us. Might be worth working out the math come spring.