We are buying are own medical insurance because my husband is self employed. It is really eating a big chunk of his income then we still end up paying out of pocket on other medication. We really think that medical insurances are riff-off, aside of paying the premium rate, expect that it will increase every year even you are healthy and not using it. I keep on searching for the right cheap health insurance for us that will cover what we need like vision, dental and other important stuff. Luckily I find one that covers what we need without spending too much on out of pocket.