MY PAST WXPERIENCES ARE THAT I AM LUCKY TO BE HEALTHY AND ONLY GO TO MY DOCTOR FOR AN ANNUAL EXAM. BUT EVERY 6 MONTHS MY PREMIUMS RISE JUST BECAUSE I AM A SELF EMPLOYED PERSON WHO GOT THROWN INTO A POOL! So NOW I SAVE SOME MONEY IN A SEPERATE ACCOUNT HOPING THAT I DONT NEED EMERGENCY HEALTH SERVICES. WELCOME TO AMERICA!