I think the deductible sounds low, maybe it’s per person?

I would definitely check on that. Also that premium sounds super cheap for a family. Possibly the employer is paying a portion?

We get our health insurance on our own. Our deductible is $5000/person/year. Then the 70/30 kicks in till we pay out, I think, $2000. Only after that do we get to 100% coverage. Our deductible is high enough that we qualify also for an HSA. We max it out per year. We use the HSA only for high cost things such as in hospital stays, very expensive out patient tests, etc.

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