I think me and DH have decided that this next year for ins. we are just going to start putting that $ aside in a savings account instead of paying the premiums. We've been blessed that each member of the family only ends up seeing the Dr 1x, maybe 2x a year for sick visits. I haven't been at all this yr, ODS hasn't been, but DH and the other boys have been 1-2x each. It will be cheaper that way. DD has Medicaid so all of her meds and Dr appts are covered. It's almost pointless for an average family with no major health concerns to have insurance because it seems like you pay more for the premiums than if you paid OOP for a sick visit. Obviously a trip to the ER would be costly, but the hospital here is happy to work with cash patients and they give a really great discount if you are paying cash and set up payment arraignments.
I lift my eyes unto the hills, Where does my help come from? My help comes from the Lord, The Maker of Heaven and Earth. And I'll praise You in this storm and I will lift my hands, For You are who You are no matter where I am, And every tear I've cried You hold in Your hand, You never left my side and though my heart is torn, I will praise You in this storm