My deductible is something like $2,500 per person, $13,000 for the family deductible. Once we reach our deductibles we have the joy of coinsurance kicking in where insurance will pay for 50% and we pay the rest. I took a trip to the ER earlier this year for chest pains. They took a chest xray and had me on an EKG for an hour. I got a separate bill for each little thing they did from like 5 different companies (????) Totaling ~$4,000.