See post 148 link. This supercedes the letter we all got.Does "changed" mean "yes, you can get the Guardian plan" or "No, you can't get the Guardian plan"?
Things are back to "normal" in 35 states and DC, and the rest will probably come on board.
So we are OK with accident insurance.
Now, Annual Travel insurance. The rates are getting out of sight if you are older, and especially in VA and PA.