Well my wife's company downsized and she is out of a job. It was her company that we were getting the health coverage with. My company's plan is more expensive. Since my company offers a plan I'm not sure if we are forced to use it or is there a possibility of finding something out in the marketplace? (if there is such a thing anymore) I wouldn't know where to begin looking. Fortunately we have all been relatively healthy and probably will continue to be so in the likely future. However, it's mandated and of course there is always the possibility of an accident or unforseen circumstances. We may wind up going with my company's expensive plan if nothing else pans out.