Well we have just switched my DS and I off our BCBS group coverage to an individual plan w BCBS. My husband has a company and we have been paying $1500/m for our insurance which IMO is crazy. I spoke w an agent (not BCBS)and he said you can buy critical illness/emergency insurance for about $70/month or less. This fills in the gaps that your original policy does not cover. I think its called umbrellla insurance. I am most worried about possible emergency room visits w my daredevil 6 yr old. The deductible is 5K per person. Anyone have this type of umbrella insurance in addition to their regular health insurance policy?