if you want to get out of David's plan, ask other insurance companies about "coversion plans" (at least that is what they are called up here). When I had to get insurance, I basically couldn't with diabetes until I found a company that would give me a conversion plan. Basically, they took the plan I HAD and made it fit into a plan they offered. And when I did it this way, I didn't have to be underwritten (ie no medical exams/questions).