Hi! It is nice to "meet" you!

I can totally relate to what you said about healthcare and insurance. That is a major issue for me as well. My husband and I own our own business and he has not had health coverage since we opened. DH has a "pre-existing condition" (back injury from a car accident 6 years ago) so he is "unisurable" by a non-group program, and we are too small of a business to qualify for any group programs.
We have insurance for our 2 children through a special program which offers discount rates to uninsured families (a program that Bush is trying to cut.)
I recently dropped my $500/per month individual policy because it is cheaper for me to pay out of pocket for Dr. visits and medications, but I live in constant fear of something big happening.
Anyway, I didn't mean to steal your post, but can relate, and look forward to more discussions with you!
