See, I'm not sure if that is correct. Maybe I can find the answer on the Q&A website. It's pretty confusing, because on page 488, it says a zero deductible, but that seems to refer only to pharmacy, mental health and substance abuse. Page 489 shows a max out of pocket in network for the rest of the expenses being $3,250 individual/$9,750 family. If you have a lot of expenses, or lab tests, that could be really expensive. My family tends to spend a great deal of money on lab tests, so this could be a very bad deal for us. No big deal for those who don't use medical benefits, but you certainly might not know when you'll need them.