there has the newest scam going utilizing a personal fund. do not let your company choose such kinds of business or a personal fund plan. basically, you might as well be self-insured. this type of plan takes you and your companies money and pays bills from the account. everything is ok until you have go beyond the pmf account and try to access the benefits of the insurance plan. you will end up paying so many of your bills as being part of your deductible, out-of-network, etc. and worst of all, you will never get to your 100% insured benefits. that's crap that some companies do that. pretty sinister way to get money out of ordinary people. anyway, you can check this: http://www.insurancepaylite.com you can get a free on line quote and you can compare it to other companies. its reliable and cheap.