This doesn't answer your questions, but I thought this might be a good place to put the upcoming insurance changes (document is provided for free by consumer reports on their website).

http://www.consumerreports.org..._and_Your_Family.pdf

I don't know if it's still in place but after President Obama took office he was behind legislation that said terminated employees only had to pay 30% of the insurance cost. I don't know if it was just for a few years or not. I think the employer gets something like a tax credit or whatever to compensate them for paying the 70%.

I don't think you are going to find an insurance company that will want you. You should look into having the kind of health insurance that has a large deductible and you set up a Health Savings Account (HSA) to pay into and take out to pay your deductible. You get to write off the amount contributed to your HSA on the front of your income tax return as an adjustment.

The insurance cost that goes along with the HSA is cheaper because you have a higher deductible. I usually make the deductible for my husband and myself before July every year and the insurance company then has to pay 100% of the rest of the year.

I hope the 30% COBRA thing is still in place.

Blue Cross you can get