I understand your feeling mad.

Calling these plans "insurance" is a joke. My company, who I've been with for 4 years just switched to a plan through a major national health insurance company, UHC, that is catastrophic with a $3000 deductible ($6000 per family AND that $6000 must be met before ANY family member gets benefits--if one family member meets $3000 he/she still has to wait for the $6000 to be met before receiving any benefits!). We went from a choice between HMO and PPO to this horrible plan. They might as well say "We could care less about your health". And next year they will have a "Wellness Plan" where they will have people come in and "assess" each employee and if they have a health issue such as they smoke or they are 20lbs overweight, they will be given a time period to stop smoking or lose the weight and if they don't then their premium will go up. Nice. I am looking for another job. I am too uneasy without real health insurance. (And, guess what I do for a living--I pay health insurance claims!!)

I hope you find something that offers you true health insurance coverage. Good for you for asking the questions that need to be asked these days!