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rjzeller · 05-02-2007, 05:07 PM

SAve up about 12 Grand a year and get what you want!

better yet, whatever you do, get an HSA to cover any unexpected dings in your health and then find a supplemental plan to deal with anything catastrophic.

Sounds like stchasking has some great advice there, and good luck. Just remember that there's a difference between insurance and maintenance. Most of us have a maintenance plan that we call "Insurance". In reality, if you're willing to sock away some money into a health savings account, then all you really need is catastrophic insurance.

Last year was the most I've ever spent in my life (not including premiums) on healthcare, and that was because of my sleep-study/cpap/etc. I spent $4600 on everything last year. Our most expensive child-birth was only $4200. So unless you have conditions which require you to frequent the doctor's office, and you don't seem the type, then I think an HSA with a minimal insurance plan might be the most economically feasible for you. (The hospitals are also much less likely to bill you for "extras" if they know you're paying out of your own pocket....)

05-02-2007, 05:07 PM	#16 (permalink)
rjzeller Forte User Join Date: Mar 2005 Location: Rochester, MN Posts: 1,212	Re: Health Insurance SAve up about 12 Grand a year and get what you want! better yet, whatever you do, get an HSA to cover any unexpected dings in your health and then find a supplemental plan to deal with anything catastrophic. Sounds like stchasking has some great advice there, and good luck. Just remember that there's a difference between insurance and maintenance. Most of us have a maintenance plan that we call "Insurance". In reality, if you're willing to sock away some money into a health savings account, then all you really need is catastrophic insurance. Last year was the most I've ever spent in my life (not including premiums) on healthcare, and that was because of my sleep-study/cpap/etc. I spent $4600 on everything last year. Our most expensive child-birth was only $4200. So unless you have conditions which require you to frequent the doctor's office, and you don't seem the type, then I think an HSA with a minimal insurance plan might be the most economically feasible for you. (The hospitals are also much less likely to bill you for "extras" if they know you're paying out of your own pocket....) __________________ There are 10 kinds of people in the world: Those who understand binary and those who do not.