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I know that I am hijacking this thread, buuuuuut I watched my mother fight with insurance companies nonstop for twenty plus years while fighting a terminal lung disease and five years with cancer. She learned a few tricks over the years but fortunately, she and dad had invested and saved to where they did not go broke. Mom worked for 25 years before her health forced her to retire. She paid her dues and yet the Evil that insurance companies are would have been happier if she would have gone away and died, but she wouldn't. The whole system is a horrible joke. I pay more because of the area in which I work, not where I live. I pay more and expect another increase next year knowing that I will get less in return and heaven help me if I get seriously sick.