I'm self employed and I live in NJ. I purchased a BCBS plan by myself and I pay about 1300/month. I basically purchased the most expensive plan for myself and my wife because I didn't want to take any chances of something not being covered even though my wife and I are young and healthy. The only thing is that we've been TTC (trying to conceive) for a while now with no luck. Her OBGYN couldn't find anything wrong with her but said more tests are needed. My urologist told me the same thing. But BSBS doesn't cover anything related to infertility for further testing (not even diagnosis testing). So I find out that NJ has a mandate for infertility coverage but it only applies to group policies that cover more than 50 people. So my question is: is there any way I can purchase a group policy through an association or some other way? By purchasing the most expensive policy I thought I'd be covered for everything but now I wonder what else is not covered. And I bet there are lots of other coverage that is mandated for large group policies but not for individual policies. So I want to get on a group policy. Any ideas? The chambers of commerce in NJ do not offer health insurance. And I looked into the national association of the self employed (http://www.nase.org/BenefitsHome.aspx) - but there are lots of complaints about this org. on rippoff report saying its just a front to sell insurance products for a particular insurer.