Check with Greg Schoenberg, Health Insurance Solutions, an independent broker with no financial incentive to set you up with any particular company -- he'll help you figure out what the right plan is for your circumstances.
pdx.tribe.net/thread/5dd503b7-3dce-4015-b161-08ac43c1b43e#940d5e23-b121-4b1b-8cf2-6832f6c8897d
