I have them through work, they're pretty shitty, for example, I currently have to either turn of uBlock (not an option) or open dev tools to unhide a div in ord

I have them through work, they're pretty shitty, for example, I currently have to either turn of uBlock (not an option) or open dev tools to unhide a div in order to log in. Why there is anything on health insurance website that communicates with a third-party server baffles me. That said, I don't think there are any good options in the US. They all have weird quirks like this, they all require a fight to get the payouts you're entitled to and they'll fudge the numbers so you end up paying way more than you expect. Welcome to America. Edit: I do have APL gap insurance too. I have nothing but praise for them, easy to work with, paid quickly (checks usually made out to me directly because most places here don't deal with APL), and covered most of my out-of-pocket cost with Aetna which I maxed out last year.