I'm self-employed & looking at rates for family policies (my spouse will be self-employed as well very soon). I've looked at several rates for various companies, but would like to know:

1. How quickly (and how much) do those rates jump after you sign up?

2. How easily can they drop you if you develop a medical problem?

3. What are the pros/cons of "Medical Savings Accounts" and "Catastrophic-only/high deductible" insurance?

Thanks.