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$4000 for What?

Posted Jun 10 2009 12:19am

Every pay day it is the same thing. Tim is complaining about how much money is taken out. No, not the taxes, but the health insurance. My attitude usually is yep it stinks, but what are you going to do? Tonight he informed me that our year to date total is approaching $4000! Maybe it is time to explore other options.

The kids have health insurance elsewhere, so that $4000 a year is just for the two of us. And that is just our portion! The employer pays the rest. It is ridiculous! Tim and I are relatively young, and both healthy. Neither of us takes any prescriptions. To the best of my recollection the only time we have used the health insurance this year was for my annual exam. That also had a $10 co-pay!

If we were to get sick I would likely seek out natural remedies (which often are much cheaper) before going to the doctor. I also know though that accidents happen, and there aren't alternatives when emergency care is needed.

I know insurance is for what might happen; for the unknown, but car, home, and life insurance policies do not cost anywhere near the range of the health insurance. I am wondering should we forgo the traditional health insurance, take out a major medical policy, and bank the rest? Tim's employer has mentioned offering the option of a Medical Savings Account and a medical policy with a high deductible. That, I think, I would be very interested in, but they have been talking about it for almost a year now. I'm not sure how much longer we can afford to wait for that option.

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