I've mentioned this several times here. Our policy was $32,000 a yr. We dropped it when things got rough last fall. Pre-existing, age, COBRA, this is why it is so expensive. $32,000 is nothing if you have a major event, so you pay it, or have no coverage. Plus, try getting a new plicy if you haven't been covered for a while, especially when you can't find anyone else willing to cover you any cheaper. Short hairs, they have you by them.