Thanks for the info about premium rates in California, SK. They are less expensive than I thought. Maybe the horror stories about high premiums are from other states? Or maybe they’re just urban legend. In any case, I’m planning on not changing my high-deductible policy unless I have to. My premiums are pretty reasonable. And in the worst case I can always go to TJ for medical care. Actually there I’d probably get to see an actual MD instead of a NP or PA.