I am finishing my Cobra actually, so that's why I need something else. It's stressing me out & overwhelming me so much that I can't even look into it further. I tried digging last week then saw all the sites, stipulations, etc. etc. & had to run away from it. But I can't because I need something super soon. Plus I want to make an informed decision, not a rash one. I will check the links you guys provided, thank you much!