Hey, yes I work part tme for my husband and his brother here at the house, but before I had my son, I was working full time and had GROUP insurance with BCBS... when we went to individual policies, they saw in underwritting that he had RDS, and wouldn't cover him for the first 6 months and we said SCREW that ! lol so now we have Kaiser.... we'll see how this goes!! Also, BCBS doubled my policy and so we had to cancel that and go with Kaiser as well for me too..... :) so much fun!!