[KevinTodd]

After having corporate insurance through United Healthcare for nearly 15 years I went to the private sector and requested quotes from several companies through an insurance quote clearinghouse.

I ultimately went with Humana One. I do not have huge deductibles, the copays are zero and my PPO network has included all my personal preferences for medical and dental (which is an additional $40/mo for my wife and I).

I have had zero problems with them over the past couple of years but use it primarily for preventative medicine such as annual check-ups, etc.

My wife got a crown recently and this was not covered at all.

I have really been very surprised that it has been as inexpensive as it is--the annual increases not a huge issue.......yet!