Medical Insurance...Do Share

Peter & I have a meeting tomorrow to get our medical insurance figured out. Peter's main job is a contractor so we have to get our own medical insurance. We currently have a Blue Shield P.P.O. that has been wonderful medically but more expensive than we can afford (read, premiums more than our rent and we still owe on our 18 month old daughter's birth - time in the N.I.C.U. is expensive, but priceless). Recently our monthly premiums were raised again and we decided it was time for a change. We have looked at H.S.A.s, high deductible P.P.O.s, Kaiser, and have thought about an H.M.O.

I've never had an H.M.O. so I know almost nothing about them. I know the main difference is that my General Practitioner would have to refer me to any other specialists, but not much else. What are the groups in this area? Do they include any of my current doctors? Would we still get to go to Good Sam?

I've never had Kaiser either, but at least 3/4 of what I've heard have been horror stories. After watching how they've handled Lenny's Grandpa after his stroke this past week I'm honestly somewhat frightened for their patients and have no desire to be one of them. Am I wrong? Are there others of you out there who have had wonderful experiences with them?

Please share. If you live in California (or used to) let me know what medical insurance you have or have had and what kind of reviews you'd give it. If you are involved with the medical community please share your thoughts. The more information we can get when making this decision the better. Thanks in advance for your help!!