Why are health care consumers lazy and brain dead? So far this month I have had 3 people tell me that it is easier for them to stay with their current carrier, and pay the higher premium, than to make a change. One lady openly told me she could not afford the $800+ premium coming in January. I showed her several alternatives, including one for less than $250 that would cover her pre-ex conditions, and she opted to stay where she was. She told me if the premium got to be too much she would call me. Another was looking for coverage for her daughter who takes Prevacid. The plan they have on her with BX is a $1000 deductible that is increasing to over $400/month for a 27 yr old female. I suggested a plan with a $2500 deductible & full coverage for $123. Her husband said the deductible was too high but would be willing to look at a $1500 deductible. I countered with a $1500 for $300 and full coverage for a medicine that runs $106 per month. I still suggested the higher deductible at a $300+ savings per month. They opted to keep BX. I faill to understand why people complain about the cost of health care and insurance but still insist on doing something stupid like paying more for less coverage.