BLTC I have had health insurance all my life from being covered on my parents to my current job and without it I would be very uncomfortable without it. My job pays 600+ dollars into insurance and coverage is around 800 dollars for me so I have to pay 200 from my paycheck plus my wife which is I believe it's 900+ so I pay 1,100 a month but if I land in the hospital I only pay 100 some dollars. I have an HMO but it has been good to us but everyone has to make the best decision for their families and needs. I hope everything works out for you BLTC wish you the best!!