trustee full-time, just as a sole proprietor. All of the employees from my previous office, obviously, either retired or went to work for other companies. So I was the only one in need of health insurance. The old business is still an entity, and I am still listed as an employee for that business for insurance purposes. But I have been paying those premiums to the old company's health insurance provider for the "group" insurance, even though it is only a group of one. My previous employer is fine with the arrangement, as it doesn't affect him in any way.

I have been hesitant to change from the policy we have because my wife has a variety of health challenges for which she needs to see specialist doctors regularly. I do not want to cause any problems with her current care. But she was just told by her rheumatologist today that he is retiring and he is referring her to another doctor. She will be treated as a new patient there.

We are paying about $2,500/month in insurance premiums for my family of five. Is that high? I figure that if we are going to change insurance companies or coverages, now might be a good time to do it, since she will be starting out as a new patient with either the referred doctor or a new doctor who accepts the potentially new insurer.

I made the mistake of doing health insurance searches online last year and got inundated for eight months with sales calls, emails, and texts from insurers. For those of you who are familiar with navigating private insurance in the Obamacare era, please give me some guidance and suggestions on what might be helpful to figure out the best options for me. I've been to the official website, but I think the info I entered there is what put me on a litany of sales lists. Any help from my fellow Cougar fans is greatly appreciated.