Being Self Employed has made it impossible to find decent coverage. In the past we did purchase MEGA life and health only to find out everytime we tried to use it deductibles were not met because it was on each individual and when they did cover anything it was so minimal it was pathetic!!! So we have been uninsured because we have no clue who to trust and feel alot of Companies are scam artists Mega Life and Health was a big joke and a huge waste of money!