Present co-pay in NJ with Horizon Blue Cross Blue Shield is $20 even with the cheapest plan they have. Waiting has nothing to do with insurance. Wife and I both covered. I can get appointm'nt with my primary care dr usually within 24 hours. Wife's DR who does not accept Blue Cross (she likes him and I dont ask why) usually take 3-5 weeks to get in his office. Make sense? Not to me.
Group coverage in NJ (group meaning two or more peeps) cheapest policy $307 a month Best around $550.(per person)
Expensive? Sure. Ridiculous? I dont think so. Rather pay that then 30-35% more taxes.
JMHO