Thats how it is for me as well in SC but it's worth every penny in my opinion. There will always be some asshats that make our life harder by living on welfare with no insurance and making bad choices everyday blaming everyone but themselves for their problems. It's just a part of life. Unless you want to be one of them you just have to suck it up and pay extra for those rare times you may need it. The worst part of this whole thing is that if you have it you will probably never need it and vice versa. My point being... I feel ya brotha!