"I pay about $10 a pen" Now let's say you got fired tomorrow when you go to work. Aah, this changes EVERYTHING, doesn't it. The point is not what you actually

"I pay about $10 a pen" Now let's say you got fired tomorrow when you go to work. Aah, this changes EVERYTHING, doesn't it. The point is not what you actually pay for a Pen. The point is that SOMEONE is paying for it which is not reasonable. Your employer is paying most of the premium so you may not realize. Lose your job and try buying insurance out of pocket. You will know what it really costs. Oh and don't forget to learn all about the various cryptographic terms such as deductible, co-insurance, co-payment, in-network, out of network, PCP referral required...