Another little detail I guess I failed to mention in my first reply, Thud.  Our rates are higher because of my health. The affect on the premium is similar for a family policy as for a single one.  If we split ours up, the increased rate applies only to me.  With the family policy, it applies to the entire (higher base price) policy....so, together we have a family policy ruled by my health rating. If we separated our coverage, we would have one individual with my rating, and two with better ratings (one of which is quite young, also)