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First let me say I don't do much individual health. Yesterday I met a couple living in NW Georgia currently paying $208 COBRA premium (85% paid by former employer) ending 6/31/11 for a 5k deductible 80/20 plan. The husband is on medicare now, but she will need a individual plan for the next 1.5 years until she is 65. She is very healthy except for the Glaucoma. What do you advise?