7 years ago we were without...then a friend recommended a 'group' plan, and we tried it. 6 1/2 years ago my wife, (Ferrara) was discovered to have congestive heart failure, and the insurance covered a transplant...we continued with the company, which had a pretty good plan...until...you guessed it, they quit because they were "doing too good a job and not making enough profit"....so we had to switch.

All went 'tolerably' well for several months, then the NEW one raised rates $150 a month!...so, we are glad we had some, but KEEPING it is month to month *sigh*....if we can manage till I'm 65, we may survive!

There are SO many issues...malpractice costs, exhorbitant drug prices, political manuverings....The U.S. really does NOT face it all, and it's gonna be a VERY big problem one day.