We were going to move over $1700 for 3 of us, last year it was roughly the same for 4. My brother has been with Liberty for about 4 years. Last year he had a stroke that led to a heart attack and the charge for his 4 days in the hospital were over $60,000. Liberty picked it all up. They do have exclusions for meds and pre existing conditions which might be a problem for some. It seems to me that if you are overall healthy a family of 3 can pay $450 with a copay of $1500.