Mike, I have spent the last 1 1/2 hours trolling through AN, reading as many HEATH Ins related posts as I can. AN does provide an invaluable service - but one is often referred back to posts going back to 2020.. On one one older forum, a moderator wrote - 'moved to INSURANCE''. what we need, respectfully, is a Health Insurance forum. id say its a minority that want to know about life ins. but everybody living here wants to know the latest on health ins. expecially since there is a new player in town, with (from what I am hearing from many sources ) has a hazy corporate background. I believe that AN would be doing a major service if it set up a separate forum topic...and it would attract a lot of new members who are lost for advice (the raison dêtre for AN) and why I subscribed in 1998 . thanks in advance