mr moose is 100% right, when the bif claims come in you're screwed to the wall period. then they will raise your rates based on claims
I think NASE is a group, like AARP, who use Mega, as mentioned above. Just offerering an alternative. We had a group plan for a while, really not fair to the healthier families. I also say "Blue Cross or Blue Shield" any comments on them? I thank my wife every day for being an "underpaid" teacher, great health insurance, has saved me a few hundred grand, LOL. Don