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We are beginning our full-time journey. I and my wife are covered under health care insurance through my employer and have coverage in two states. However, what should we do for the rest of the US? Indemnity insurance? Our policy is mostly 100% out of pocket unless urgent or emergency room. Hospitalization is not covered. My premium is VERY low because I work for a state agency, so it is tough to stomach other plan's costs instead if I were to opt out of that one. Thoughts?