I had BCBS in NC for 35 years as a self employed businessman. My premiums increased relentlessly. Then one day around six years ago I told them I wanted to decrease my premium by raising my deductible. They said NO. Anecdotally, i was told by someone who would know that while BCBS was OK in NC it was not in Fl. Wish it was simpler, but you'll really have to do some due diligence. SHINE is wonderful and don't pull punches. As are many of the wonderful people here.
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