My company pays for mine - at about a little over 4k per year. It's spendy but I have a $0 deductible, $50 for emergency room, and $5 prescriptions...plus much much more. I think to have our daughter we paid $10 for the first Dr visit (nothing for the next or whatever it was) and $150 because they upgraded us to a private room. I'd say it was worth it when the full fledged bill came up to around $10k... I would probably pay it even for myself. It's through Cigna.