Are you in between jobs and do not have insurance?
If you are in between jobs and do not have insurance, you can take individual insurance at affordable rates. May be you are NOT AWARE of that. I can help you. Under this situation, you can approach a different set of insurance companies, not the ones, which your employer had chosen for your benefits. Those might become expensive for you to apply on your own for individual insurances. The KEY is you TURN to newer type of insurance companies for this situation.