Health plan ABHP - lots of money out of pocket for a visit, no low co pay, every doctor visit was full cost until deductible was met, even though we were paying $400+ per month for blue cross blue shield New Jersey, my family had to decide whether or not to even visit the doctor when we were sick l ( ex. 1 doctor visit and blood test was $600 out of pocket) KPIs changing, lots of reporting and meetings Comp plan hard to figure out