Have you considered an HMO instead of PPO? My brother is a type 1 and his copay with Kaiser is less than $25 per month. Obviously the HMO plan is more expensive

Have you considered an HMO instead of PPO? My brother is a type 1 and his copay with Kaiser is less than $25 per month. Obviously the HMO plan is more expensive, but not $400 per month more expensive and the $0 copay for appointments and immunizations is nice.