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I've got 2 plans in my area that have a MOOP under $3,450. Both HMO's. I put the free Aetna ($4,650 MOOP) side by side with Wellcare's ($3,450 MOOP) free plan and Humana's ($4,200 MOOP) free plan. Even though they have the highest MOOP of the 3, I'd go with Aetna.You deal with upper income . Wait till your middle income clients start getting hit with 10-13% increases yearly . They'll look at a $2900 moop , $0,$0 drs and a $1500 bucket of dental money to go to any dentist