>My maximum out of pocket expense for emergency room and hospital stay and surgery is 100.00 total for all three (not 100.00/each) but that is only because of my health insurance that I pay a premium for each month. <<

Your finances are of course none of my business but can I ask if your health coverage premium went up, down, or stayed the same for 2006? I was pleasantly surprised that mine went down about 30%. Same plan, same carrier, same coverage as far as I can tell. This somehow seems too good to be true.