[ QUOTE ]
ehealthinsurance.com

i'm paying $150/month for full coverage (20% copay) and basic dental. i could go down to $100/month if i went to a lower plan w/$300 deductible (then 30% copay) and no dental.

<======= non-smoker

[/ QUOTE ]

Pardon me for being a health insurance nit but if it's a percentage it isn't a copay it's a coinsurance. A copay is going to be the same every time, like $10 per doctor visit or $50 for the ER or $250 to insert a penis pump.

A coinsurance is going to be a percentage of the total charge (or more accurately the reduced rate negotiated by the insurnace company). The insurance company pays 80%, you pay 20% or something like that. And, of course, this is after the deductible.