But not like they are now- and with yuuuge increases in actual care costs the last two years. By every year of age of insured, not the decade grouping. I just got our new Kaiser Plan Benefit change paperwork (I provide a Silver deductible HMO group policy for my employees and my family) and the coinsurance, visit co-pays, OOP maximum, emergency visit, and diagnostic costs have SOARED. It is now my highest single item of overhead in a professional office.