Thanks a ton for this link/info, J. I'm on the exact same page w precise same line of thinking (w you and V), going forward. Can I ask which carrier provides your coverage? Is it the so-called "catastrophic" policy? Haven't gone through all the motions on the site to see what's available. Did you or can one simply just go to an individual company and get a comparable quote or do you think $200/mo was a deal specific to this site/an established via online kind of thing?