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HEALTH INSURANCE SHOPPING done. By which I mean I figured out we just have to take what we have right now. Our insurance has dropped providers so now none of our providers is covered. $900/month gets you legal compliance but not much else. For $1000/month, we could get insurance that includes one of the providers, but not the other one. But would out-of-pocket visits cost more than $1200/year? Probably not. And of course, we could get insurance that covers both providers, but that would cost $700 more per month.