In todays world it seems you have to fight to keep from sinking more han ever. Life costs should be reasonable, not astronomic with rising cost everyday. We don't need to see the Dr. often and aside from yearly check-ups we rarely go to the Dr., yet my husband turned 50 last year, I quit smoking 2yrs. ago yet our Health Ins. went up more than 20% this year. We have the highest unemployment ever and people are losing thier jobs daily, yet ALL the Dr.'s are raising thier fees and insurance never covers the cost of medical fees, so we not only pay the co-pay but we recieve a bill later that says that our Dr. office charges more than is allowed, so we end up paying a second fee, then to add insult to injury you can't get a reasonable fee for insurance and your rates get hiked every year regardless of your usage.What's a person supposed to do?! Wages aren't keeping up with rising costs in any area of life!I would recommend my current Insurance only because there really isn't another Insurance out there for self or unemployed people/families that comes close to what we have.