There is another "issue" Pixy did not mention. If you fail to take out insurance for part now, you probably will not be able to do so at a later date. There may not be a legal basis for this, but such is life.There are many individuals who took out a type B plan (HMOs are the specific ones I am talking about) and some years later the Plan B coverages were changed. These people now can not go back and change from the HMO to another type B insurance.I would suggest you think long and hard. Insurance you don't like is better then no insurance and no money.
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