We have had different coverages over the years, but the worst was when we were on liquid and very little coverage.  Florinef was the highest premium.

 

As for dropping coverage for CAH, I don't how that is legal.  That would be like dropping an insuree due to cancer.  You can't do that.  There are COBRA laws that allow you to keep your insurance if you lose your job.  And even then, the next employer's insurance must cover the condition if is was covered prior with no lapse.  I would not worry about that.