It's the time of the year when a lot of people have to go through their health benefits and decide if they are going to change health insurance companies. I dread this time of the year. I would rather have a dental cleaning than have to do this, maybe not! I wish it was as easy as getting quotes online, like an rv insurance quote. But it is not. I have to read all the fine print and decide, along with dh, which health insurance plan will be cost effective for our family. It does not help that the cost of our health insurance co-pay is going up AGAIN. I thought the Obama health care will help us, I thought wrong.