AWA probably has the best health insurance in the industry. I'm unsure of their high cost plans, but I have the HMO (Cadillac plan). $15 deductibles for every except ER visits, were the deductible is $50. On the HMO, those are the only fees you will ever pay (of course you have your month deduction out of your pay check). My month deduction for the family plans in $580ish. Total plan cost close to $27,000 per year. Sorry, I cannot help on the other plans, because unless your young and single with no kids, you'd be crazy not to sign up for our HMO plan.