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I pay over $200 a week for my wife and myself. Employer supposedly pays even more. Just got an X-ray. Hospital couldn't even give me an estimate before I got it done as to the cost. Thinking it'd be a $40 copay or something, went ahead. Get a bill for $340. At bare minimum, we need to be able to know how much service will cost so we can at least make an informed decision. Realistically the entire system should be demolished, but the only way that's ever happening is if we get a few hundred or thousand more Luigi's.
Not that you were asking, but I would recommend at least looking at ACA plans. I don't know your situation or area, but I have excellent insurance through Obamacare and we are probably paying the same amount based on what you quoted for just you two. There's no employer portion of the ACA plan, so they're getting less money from having my family as a customer than having you two, but it seems like I'm getting better copay rates for a monthly premium that's equivalent to yours. I also have a very low out of pocket max.
I recommend Kaiser or BCBS. If they don't have those in your area you might be better off with your employer plan. I've heard terrible things about basically all other providers in my area at least. I'd stay away from United at all costs. Hope everything with the recent hospital visit resolved well.
I have Blue Cross now. Kaiser is also offered, but significantly more expensive. I actually just looked up my plan and the X-ray should be $20-$40 copay. So they're just trying to fuck me over. Big surprise. The other BC plan, the PPO would be me covering until deductible is met, but I stopped using that plan because basic Dr visits were the same. No coverage until the deductible is met. My current plan has $20 pcp visits and $40 specialist or X-ray. But a higher deductible.