Has anyone ever heard of a $39,000.00 per year health insurance premium ???

[politicat]

21. No co-pays for most in-network after deductible.

That is pretty rare, actually. (We've had multiple gold+ level plans through employers, through all four major providers, and have never had a zero co-pay after deductible plan.)

Blue Saver is also an HSA plan, so the monthly premium may include the required HSA contribution. The HSA has the advantage of being a form of tax shelter; the WSJ calls it a "shadow IRA".

The basic purpose of an HSA is to salt away pretax income to cover medical expenses not covered by health insurance. But those who generously fund their HSA may find some or all of those dollars can grow in a tax-deferred investment account for many years. Along the way, the money can be used tax-free to pay medical expenses or premiums on long-term-care insurance. After age 65, there's no penalty for withdrawing money for nonmedical use; the money will be taxable, but will still have benefited from years or decades of tax deferral.

http://www.wsj.com/articles/health-savings-accounts-can-double-as-shadow-iras-1401481345