My ex had this plan cause he was self employed ~ my only 'beware' is that his plan did not cover any 'pre~existing' conditions so when he had his medical before getting approved to go on it he had a 'skin rash' on his hands due to the job he had using harsh chemicals and therefore they would not cover anything 'skin related' for him even in areas that were not his HANDS ... so for example he got the chicken pox at 40 years old and they would not cover the medication for it because it was 'skin related' and had a pre existing skin condition .... DUMB cause it was clearly not related ... so if you or your family have 'pre existing' medical conditions double check if they will be covered or not or what 'else' you get later that might not be covered as a result of that preexisting condition.