The $25,000 deductible is the devil is in the detail. You pay $10,800 per year, then you have to pay another $25,000 before the insurance kicks in. I keep hearing more of these stories everyday. They tell you your insurance premiums will go down $2500 per year which is BS, and your deductible goes up 5 times. The best is yet to come, Ill be getting my sticker shock next year.