Hi SisypheanFool,Yeah, it's a morass, and TBH, I'm not truly sure I could qualify. I've just been going by the online estimators. COBRA conversions are hopelessly expensive, so I haven't even bothered looking at that. I have filled out a couple of applications to see what they come back with. But, it really doesn't matter, I guess. What is, is, and I'm not going to spend time worrying about it.thanks for the input,Hedge
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