I have been comparing Assurants and Unicare plans and Unicare is just over all better. For instance when I run a quote for a lady 54 years old with 2 children ages 15 and 12. Assurants one ded PPO plan with a $5400.00 family ded and 80% coinsurance, I get a premium of $584.91 per month. Unicares plan which has a $5200.00 family ded with 80% coinsurance runs $179.00 per month. How can there be that much difference? Even when I compare the Unicare fit plans with Assurants Core med and Max Plan the UniCare plans wins hand down. How does Assurant stay in business?