No, I don't have an employer covering my cost. The full cost for my $5000 high deductible individual plan is $85/month. Perhaps the difference is that my plan

No, I don't have an employer covering my cost. The full cost for my $5000 high deductible individual plan is $85/month. Perhaps the difference is that my plan was purchased in Illinois (Blue Cross Blue Shield of Illinois). I know state mandates can significantly change the cost of insurance.