$1,400/month for a family of 4?! Lucky you! The cost greatly depends on the oldest person in the family, not on the health status. I'm 46 and the premiums are nearly $3,000/mo for my family, but, glory to God, we almost never have major issues, but I'm sure there are young people who drain the insurance more with risky lifestyles and unhealthy behaviors. How is this fair? Also, isn't age a protected class to penalize based on it in pricing? Meanwhile, I can't recall seeing a senior citizen discount in many years. I know long ago they removed "free entry" and other benefits for which only women were eligible for. I was finally offered a high deductible plan with HSA so I don't lose all the money when I don't use it.