Starting January, I'll have my new health insurance plan. My monthly premium will be $137 a month . . . still far more than the $20 I was paying in 2017, but a whole lot more reasonable than $536 - plus, I'll have no deductables to meet, and my out-of-pocket medical expenses will be $500, which is almost $200 less than what the plan I used to have earlier this year would have been.