Many thanks for your detailed experience. Yeah, I wasn’t too impressed with the 5 plans offered which mostly looked exactly the same with different deductibles. On the positive, it looks like at least all of them had maternity which was actually really hard to search for last go around. I’ve also noticed a lot of companies don’t even seem to want your business and you’re right, individual plans are extremely expensive. It’s really disappointing compared to what I’ve been used to 20-30 years ago.

We’re probably going to move to an s-corp this year so maybe I will wait for that to happen before changing as it is time consuming.

I tried to get my son off my plan since they seem to want to charge him my rates even though he should be a lot cheaper. They wanted to do a full underwriting again and you have to complete all the paperwork, etc…again…just to split up the plan. It’s like a land grab with these companies. It’s probably not just them and the environment we are in in terms of health care, but it does really suck I think. I had a family member suggest we run all these mental tests when my son was really young and I shut that down because I was worried about what you mentioned as well…They might see something and just deny, raise premiums etc…

Sorta like making random or small insurance claims on a car or home, you really have to be wise with your health insurance too and avoid it if it’s not a huge deal.