Insurance Question

[Dan Halligan <danh@xxxxxxxxxxxx>]

Hi.  I hope everyone is having a happy holiday.  I peeked at one of my presents 
early, a package from my insurance company, and found a lump of coal.  
Effective Jan 1st they are discontinuing the insurance plan I am on.  However 
they are offering a new plan "to better serve me".  Reading the tiny, tiny fine 
print I discovered that my annual maximum out of pocket is going from $2,500 
per person in the family to a total of $9,500 for the group with no individual 
allocation.  This of course means I am going to pay and pay.  Then I noticed 
that the annual maximum benefit for prescription drugs is going from $5,000 
down to $3,000.  This means about August I will be out of benefit for the year. 
 Here is my problem.  I am 56 years old.....to young for medicare or medicaid I 
believe.  I am still working (as best as I can) and therefore don't qualify for 
the drug company assistance programs because I have medical insurance such as 
it is.  I don't qualify for welfare as I scrape by each month.  I pay a 
staggering $1,270 per month for insurance !!!  for a family of four....I am a 
1099 contract employee so basically self employed.  I just returned from Rite 
Aid drugstore where I spent over $650.  And I have a couple more to fill next 
week.  Does anyone have any guidance for me?  So far in brainstorming the best 
plan I've come up 
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with is win that pesky lottery........help !!!  Thank you........Dan