Assurant will have a 24 month rate lock for plans with a $3,500 deductible and up combined with a option for the client to "buy" a 36 month rate lock. They also have a no deductible option on their plans with a fixed $45 copay OOP 50% $10,000. I'm liking the 36 month rate lock option. For example, a plan with that's $442 with a 24 month lock would be $463 with the 36 month option. Better believe that for an extra $21 a month I'll be recommending they purchase the 36 rate lock.