I live in New Jersey and my husband and I need affordable health insurance. He owns his own business and we are paying close to $900 dollars a month for doctor visits, hospital, prescriptions, laboratory, diagnostics etc. We currently have United Health Care/ Oxford. We did have Cobra when I left my job, but that was too expensive $1300.00/ month. With our Cobra we didn't need referrals, but with Oxford we need referrals. Our copay is $30.00 for doctor visits and $50.00 for specialist. Can anyone suggest a Health Insurance co. that we can use before we go into dept? Your help will be very much appreciated.