My family (DH, DD) and I are covered under my health insurance plan. Our rates are going up of course. Right now the plan that we're in, we can go to any drs we want. If we want to stay in that plan we'll have to pay $100 more a month. We can switch to a plan that covers only certain drs for the same as what we're paying now ($275 every 2 weeks). The only thing is that none of these drs or hospitals are in our hometown. The nearest ones are about 20 miles away. There is a small general practice clinic 10 miles away. Also not to mention the fact that I've been going to my OB/GYN for over 12 years, DH has been going to his dr since he was a kid, and DD has had the same pediatrician since she was born. Would you switch everybody's drs to save the $100 a month? (That's $1200 a year!) We're seriously considering it. We all only really go to the dr once a year. Although I've recently found out I have a low thyroid levels and will have to be tested in another 3 months. We just don't know how much more we can afford for insurance! Everything else about these 2 plans is the same, except the cost and the drs you can see. What would you do?