I just wanted you to know that there is a program called Major Medical Risk Insurance Program. It has been a god-send to me. You have to apply for self insurance with say Blue Cross for instance. They will turn you down of course because of your risk status. You send your rejection letter to the MMRIP and recieve the insurance of your choice through them. The Co. has to take you because goverment money is involved. The tabacco tax money subsidizes your high risk rates so you pay a much smaller amount. If you have any questions please e-mail me.