My child did not return to college this fall, so I can't keep him on my school insurance I thought-no problem-I'll get a private policy. Now I know why health care is in the shape it is in. I never knew it would be this hard to get health insurance. The deciding factors were he was diagnosed in school as ADD (which he hasn't taken med for over a year now), football injury his sr. year (outpatient knee surgery)-was released to play basketball later in the year and has had no problems since, and had staff infection while he was living in the dorm at college. I also had him put on anti depressants after his dad passed away, but I don't think he is taking them-he HATES to take medicine! How ironic! He has been turned down by two different insurance agencies and we are waiting to hear from a third. As it is, I am paying a COBRA insurance account an obscene monthly rates!