My husband currently has health insurance through his employer, but it's fairly expensive, and really is nothing more than major medical (office visits and prescriptions aren't covered). He's looking for an HMO that covers office visits (even if the co-pay is $40, that's fine) and prescriptions. He's rarely sick (he's been do the doctor ONCE since I've known him (4 years) and doesn't want to spend an arm and a leg for insurance, but it is necessary to have. Does anyone have any suggestions? I've gotten a couple rate quotes online, but I know very little about these companies, and I'm looking for first hand experience, if anyone has any. Thanks!