County government employee here. Our insurance is very good (the benefits here make up for the lower salaries).
I currently pay about $135/month for our whole family. Our deductible is $150/individual and $450/family. After deductibles are met, we pay 10% of all costs until we reach our maximum out-of-pocket which is $600/individual and $1200/family.
We pretty much screwed over the insurance company (and Uncle Sam) last year when we had a baby in January, and another baby in December.
