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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]We are retired and pay about $5350/mo for the 4. Up from $4900 last year but down from a few years ago when it was $5500. PPO and it sucks[/quote]

Seriously? Well I think it’s completely crazy not to have health care… but there is an inflection point, and you are certainly at it. [/quote]

Yeah, that's about 65K a year in premiums.  Do you think your family will rack up medical bills worth of 65K every year?  Even if you go out of pocket for specialists and scans/tests it would be a few grand if you start having issues.  After the years you paid into it, like 10 years of being relatively healthy you are out of 650k.  The only thing that can justify it is some catastrophic situation where your medical bills are in 7 figures.  Otherwise, it's not even deserving to be called "insurance".  [/quote]

If you do not have e insurance, you get charged the full rate which can be 5-10 what is charged to insurance companies.[/quote]

I imagine it depends on what you elect to do. We're a high deductible with HSA so I've shopped around and so far the difference between cash and insurance hasn't been much.

You definitely want insurance for the major crises but for a lot of everyday visits and consultations I don't think it is as much of a difference as you might think. [/quote]

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