Actually, you can fine tune a personal policy to be just that....I know a self-employed young couple (under 35, with 2 chirrens) who were getting PO'd over increasing premium prices. They investigated what you have in mind and got their policy restructured at a helluva decrease in cost.
Thanks for the info.
It gets complicated when you're on your company's plan as it has to be equal to everyone else who is on the same plan (as far as I know, which isn't saying much).
The democrats (in their attempt to gain control of the healthcare industry and socialize medicine) cast fear by saying that there are so many uninsured people. The article above states an example of some reasons why. Don't get me wrong, there are folks who simply cannot afford a decent plan on their own. However, how many times do you hear of someone being refused care at a hospital in this country? Obviously, we are all paying the bills for the uninsured. So, I guess they really aren't uninsured after all, right?