Years ago, I worked for a company that was going through a near bankruptcy. There wqas a big pay out coming down the road, and many of us hung in there and did get the big bonus, but there were a few months when we weren't sure about getting a weekly pay check and twice the company missed health insurance payments. What was odd, was that my step son's asthma medicine with the prescription coverage had a co-pay of $15.00. When the insurance coverage was canceled and we needed a refill, the cost was $10.39 without insurance. So from then on for some rx's we told the pharmacy we didn't have insurance and got a lower price. On the other hand, my dentist of 25 years just stopped taking my dental coverage. Dentist told me ahead of time that the insurance simply refused to pay enough for them to pay the bills and the negotiator for the dental insurance told them to "increase the prices to uninsured people to make up the difference." Our dental insurance was through one of the largest employers in the county, all the local dentists refused to continue taking it, so some 9,000 families lost their dentists and can't find new ones that take their insurance.