We’ve been talking about health insurance in the office lately, we do not have HMO plans and last year we didn’t have our annual physical check-up too which was being done for the previous years. Cost cutting maybe. Most of us agree though that we need health insurance, few of my office mates have them and they said it’s worth it. I still do not think we can afford it now but I am hoping to get one for hubby. I just hope it is as good as health insurance in nc and not so pricey. For me, I’ll be contented with my SSS benefits from the government.