the confusion of it all

We've been running around getting some new health insurance lately. Well, "getting" is the wrong word, I suppose, since we haven't finalized with the new company, thanks to the confusing way they work. It turns out that if I am out of the country for over 2 months, my insurance gets invalidated and since I would have to pay for the full year up in advance, I don't get any refund or any such thing. I mean, hello...the whole insurance business is already so confusing with annuities and a whole bunch of other legalese, but the complicate the matter more, seems pointless. For customers at least!