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I hope he explains the part where they have to pay $500+ more the first year to save $147 plus copays that will average about $15. And how if both plans have the same pct increase over 5-10 years they'll pay closer to $700 - $900 more per year but they still only get the same, small, extra benefit.I would but I don't understand this Plan F and how it works. Can you 'splain? Rick