I do not know why, but the health ins. industry hates us. (self employed) they tend to give us a reasonable rate the first year, then raise it through the roof. That is the part of running a business that can kill you, especially if someone in your family has a pre-exsisting condition.They will not cover anything associated with it. Almost every self-employed person I know has insurance thruogh their wives' jobs. I am seriously considering taking an extra day off so my wife can get enough hours to get health ins.