To make up a $1.2 billion hole through 2011, the State Health Plan could increase co-pays and deductibles and raise premiums for dependent coverage by as much as 30 percent, according to WRAL. At least with individual insurance, you can change your policy or your insurer. This might also be a good time for the State Health Plan to consider Health Savings Accounts (HSAs) to go with higher deductible policies.