Wow, thanks for taking the time to leave such a great lengthy response. This is about the best personal insight I could've asked for.
$1200 per month and $6500 per person deductible! That's crazy expensive! That means you have a $32,500 deductible each year in addition to premiums of 1,200 per month or $14,400 per year. You'd have to pay $46,900 out of pocket each year before they'd cover a dime of your expenses.
You should check out https://libertyhealthshare.org/. It's what I use for my health coverage.
For your family of 5, if you're between the ages 30-65, you'd pay $449 per month with a yearly deductible of $1,500. With that, you'd get 100% of your family's medical expenses covered, up to $1,000,000 per incident. It's not an insurance company, so be sure to familiarize yourself with it before signing up.
Thanks for the tip! I will check them out 😊