at least in my area. The state here requires all plans to provide services whether needed or not that raise the plan costs substantially.
Thanks for your patience with my questions - somewhat akward and ignorant because I’ve been off the insurance grid since the mid-90’s. I try to view all my monthly payments as investments and ROI for insurance policies was the first to get axed - truthfully I’ve never really cared for any type of insurance anyways - seems to be too much like trying to play God instead of trusting Him and living responsibly.
I know I know - there are lots of folks who say lack of insurance is irresponsible - sorry but I want my investments to be Heavenly rather than Earthly minded.