Lee, you are fortunate if you do not believe $5K deductibles exist. My current private company insurance has an annual deductible of $5,200 family (correction, family not individual) in network and $12,000 out of pocket individual out of network.  It is wonderful to have healthcare options so close to home and so fortunate in many ways... but.  Overall it is going well and doctors work with patients, but insurance issues are significant.  The one radiation oncology provider in Kenai is out of network with Blue Cross...turns out I should not have met my doctor when he was in Kenai. Yes, this plan has 20% copays after the deductible. Each calendar year has a $24,000 family out of network max and $12,000 individual out of network max. 
DEDUCTIBLE PER FAMILY	$5,200 (In network) $6,000 (Out of network) ;
 	DEDUCTIBLE PER INDIVIDUAL	$2,600 (in) 	$3,000 (Out) ;
 	OUT OF POCKET PER FAMILY	$13,100	$24,000;
 	OUT OF POCKET PER INDIVIDUAL	$6,550	$12,000