I had them for a couple years through my last employer ("AHF POS II" policy in California, FWIW), with some moderate medical expenses, and I have no complaints.

I had them for a couple years through my last employer ("AHF POS II" policy in California, FWIW), with some moderate medical expenses, and I have no complaints. When I had to buy insurance on my own I ended up with KP after similar online research, scared off by the stories too, but there seem to be horror stories about all the providers; as far as I can tell, at best you can only choose a lower probability of them.