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paying $1955 per month with a $4000 per person annual deductible, I cannot shoulder much more in insurance premiums. I’m sure we will have to pay well over $2000 per month next year because my husband is over 60...that’s the next big leap in rates. Basically all of our healthcare is out of pocket. There’s no competition for individual insurance plans in Montana. There are no options. It makes me so angry. Need to get in to a specialist? It could takes months. I scheduled a basic dermatology appoint for my husband and it took 4 months to get him in. 
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