The data clearly shows that cost is a vital piece of "Your Peace of Mind" when it comes to both a macro and micro level of risk mitigation and insurance. The data becomes even clearer if you have multiple benefits in the equation. The QR code takes you to the latest national data from the Kaiser Family Foundation. 90% of the time I can cut the national average in half and double the actual benefits realized for my clients. After 30 years in the healthcare cost containment business it is not uncommon to gain vast insight. I will need to learn more about your particular case to verify this data. Mark Roden, Licensed Insurance Counselor