Thanks to all, and especially to billalexander.
Premium increases are definitely a concern to me. Thanks for revealing the AARP fine print. It makes sense from their point of view but not something I want. I've been self employed since age 28 with BCBS and their premiums are slowly bankrupting me. When I asked to raise my deductible a few years ago in order to lower my premiums BCBS said "No". They basically have no competition here.
Thanks again to all who have helped. What a great community this is.
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