I CURRENTLY HAVE MY DAUGHTER AND MY 19 YEAR OLD SON ON MY POLICY. THEY ARE BOTH STUDENTS. ONE WILL BE A SENIOR AND THE OTHER IS A FRESHMAN IS COLLEGE. I HAD TO CHANGE WITH ANTHEM TO A HEALTH SAVINGS ACCOUNT WHEN I GOT DIVORCED DUE TO THE HIGH PREMIUMS. MY COMPANY DOES NOT OFFER INSURANCE AND IT WAS THE BEST COVERAGE I COULD GET FOR THE PREMIUMS. MY DAUGHTER AND SON HAVE 5,000 DEDECTIBLE EACH. I HAVE AN 8,000 DEDUCTIBLE. I DO GET A DISCOUNT WITH THE PROVIDER FOR USING MY INSURANCE. HOWEVER, MY MEDICAL EXPENSES ARE VERY COSTLY BECAUSE I HAVE NO CO PAYS UNTIL I HIT THE DEDUCTIBLES.