I'm not sure why ours is 30% less than yours, Jerry... It's possible our guys are just more boring and less likely to end up in the hospital (grin). It's a big difference tho... I can say that shopping around is awfully important, because there are massive differences in price and coverage and as benefits are one of the three major expenses for us, we worked hard on getting a good plan/deal.

And even with your costs, you're still well below the "cadillac" line, right?
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The charm of fishing is that it is the pursuit of what is elusive but attainable, a perpetual series of occasions for hope. -John Buchan