I was wondering if anyone has had much luck getting individual health insurance? If so, what was your general experience; ie, how much did rates vary from quotes, any special riders, pre-existing conditions, etc.? My wife's employer dumped their health plan last year and mine might be doing the same, or at the very least jacking up our rates significantly (we currently pay around $1,000/month). At the very least, we'd like to insure our kids but only one company offers child-only insurance in our state. So far, the whole process seems very discouraging (we got our first denial in the mail yesterday).