I'm having problems with my insurance, too. It's frustrating.

My rates are good, however, but the customer service is horrible. Luckily I haven't had to use my insurance, so I don't know how it will actually work.

I love working on my own, but sometimes I miss the BCTPHI (Big Corporation That Provides Health Insurance).

I had gone to a chiropractor for back problems with my old insurance (old job). Because of that, the new folks put me at a very high premium level. I appealed, and they granted the appeal, so my rates are pretty low. However, I can't file any claims for my back for a year or they will bump me up. So I'm taking great care of my back and doing lots of pilates (which is good to do anyways). I do miss my chiropractor sessions, though. Luckily I don't have any serious health problems, though (knock on wood!)

Best of luck.