SO we just got a mailing from our insurance company stay tuned we will help you navigate the changes??? WHY??? I want what I have. I will be off the wall furious if I have to pay more for anything I do not want. DH and I are self employed and have high deductables but hold a dedicated account to cover our out of pocket costs. I guess BUMFACE will force me to pay more for something I don;t use. I hope that slimeball rots in hell. I like my insurance and want to keep it but he is screwing me royally.