That's insane! You have been here for three years and dont even know how to play with the system and to get the best out of it. First off please do something beside going to work and school. No offence! my purpose was not to offend you by anymeans. Everyone has their own situation and i understand. If you are in school the best deal for healt insurance would behttp://www.isoa.org/ it works and its cheap when compared to anyother kind of insurance. you would only pay 27-40$ per month depending on the converage your choose. Pick the one that most fits you. I bet its better then your 1000$ year insurance. On top of that they offer you online payment and all that stuff. You dont even need any stuff from your school. Just fill up the form and enjoy the converage. Aight good luck.