Early 40's. Wife and one child. Non smoker, and in the lowest health-risk category (according to Anthem Insurance). My risks have not changed since then, as we've done no major procedures at all- just office visits and some blood work (that went under deductable anyways):
Date Rate (per month) Deductable Office Visit CoPay Perscription Med plan
Oct 2003 $385 $1000 $25 Yes
May 2009 $925 $ 1000 $25 Yes
Jun 2009 $657 $2500 $25 Yes
Oct 2009 $854 $2500 $25 Yes
Nov 2009 $625 $5000 N/A Yes
Went on Cholestrol medication this past year (though insurance stressed that this did not change my risk level) and all else is the same. Still get the 'negotiated rates' for office visits (usually 40 - 50% what I would pay coming off the street), but no co-pay for Office visits. It feels almost like the 'This Is SpinalTap' movie for my health insurance...
Each of my plan changes was to reduce the health care expenses...
So what does your health insurance cost?