Insuraceless... Good or Bad, I' divin IN

nsurance drives me insane!!! At least w/ car insurance I don't feel 1/2 as ripped off as I do by health insurance! My company offers heath insurance. When I first started getting it in 04 my family policy was 140 a check for 20 key care which basically means no deductible minimum, 20 bucks a dr vistit and 20% of the costs not covered--- or something close. This past year I was at the max amount I could afford a yr 350ish a pay which is 700 a month... is that insane or what!?!? At least oct 04-april 05 i was preggo so using it regularly but like this past year I spent nearly 9,000 in insurance and spent only maybe if I over estimate and include the bipap machine we bougtht and dh's sleep study all dr visits, all prescrips- less than 3,000 so why am I coughing up all this cash for literally nothing? In hopes I nearly die so I see some benefit? Well this year they uped my rate (everyone in the company's really) to $450 every other week!!! That is 900 a month and 1400 in the 2 months w/ 3 paydays--- are they CRAZY?! So for the first time ever starting Tuesday we will be an unisured family! It's a lil scary but in essence I should be saving lots of $$. 900 a month and only spend 100 a month max in insurable money max! So hopefully it will become a nice $800 a month savings plan right?

Oh did I mention that I went to anthem.com, whom our insurance is through and I can get a policy to cover my whole family for less than $500 a month so why were they about to charge me $900 through work!? Does that sound fishie or what?