DJD, I would tell your friend to get on the illegal alien plan. Alot of people think they have the best plan, just show up at the ER and everyone else working will take care of the bill. If the Illegals love it we should use it also. We have a president and congress trying to fix this problem and getting fought all the way. Im getting confused, does anyone want affordable coverage for all or priced out of the system for but a few. Danged if I know and I have a cadillac plan according to the administration. I am willing to be taxed so all can have coverage, or I can see my rates continue to increase over the yrs like in the past for nothing.