Insurance

I've never paid much attention to insurance.
Work provides, they take some money, I've got it just in case.
I go to the Dr for my annual exam once a year.  That's about it.  We don't get sick much, we don't need it much.  What my friend J calls "the american health plan - just don't get sick".

My company got bought about 5 years ago and changed insurance networks (where we live it's IHC or everyone else, I'd always been on IHC).  So I found a new dr that took the new insurance.  And amazingly, I like her.  She's the only dr I've EVER liked. 

So guess what, I found out last Friday they are changing the insurance back to IHC.  It's actually a better plan, but the only doctor on the new plan is DSS's pediatrician.  My dr isn't on it, neither is DH's dr, the dentist or DSS's orthodontist.  We can deal with most of that. 
But, if I do manage to get pregnant, and my doctor is out of network, it will cost me $6000 instead of a couple hundred in office visit copays!  And I DON'T want to change doctors - I really like her...

Why can't Obama and the congress fix the health insurance so it's not company dependent? It seems so wrong to me.  Or get rid of the networks or something.

It's not fair!  It's not fair to make me change doctors when I finally have one I like.  It's not fair to make me pay $6000 more to stay with my doctor.