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Is anyone else out there as sick and tired of this crap every year trying to figure out which way to hop. Am so sick and tired of HMO's PPO, Networks, Formularies and Tiers. Am not,unfortunately a healthy person and trying to find a plan that all my doctors and hospitals are a part of is a nightmare, one year they are on this plan and the next year they are not. The formularies change all the time and of course not to my benefit. Supplementary insurance is unaffordable as are some of the meds conveniently not covered - and then you still have to come up with a Part D plan. Its getting more and more complicated not to mention the hours I have spent in front of this computer trying to find a suitable plan for my husband and myself. Its all such a lousy system and needs to be changed somehow. I really feel bad for people out there that do not understand how the system works and are not computer literate. I don't understand why there is not more of an uproar about the insurance industry, Big Pharma and the government sticking it to us every which way they can.