wow...with our government run healthcare I pay $133 per month for the family. The government says that this is just a token amount. No deductible. Does not include dental, prescriptions, or alternative medicine (actupuncture, wholistic medicine, chiropractic). But as the true cost of healthcare skyrockets a second user pay system is emerging, example- if you need a non emergency ct scan wait 3-4 months for a healthcare provided one or pay yourself and get one next week. Healthcare for those who can afford it.
I think our system is doomed as well because its hard to raise taxes or increase rates quick enough to cover the cost of new technology. However, I never could have been able to afford your rates when the kids were small.
Hope everything works out for you guys...