Just for the heck of it, I checked around on updating my health care insurance(Ny state), My next enrollement period begins in Jan. I've had the same policy for 8 years. My current policy is "grandfathered" and not available to anyone anymore. The only other policy that is avaiable is 5x the premium I now pay. Needless to say it was a short call with memeber services because there was nothing to talk about unless they include hookers and blow with the higher premium. The end.