Reply #7: On health care? Depends on what you're counting as "spending". [View All]

[MercutioATC]

That gets me BCBS basic and a $1300/year health savings account to cover copays.

I pay a $25 deductible for a regular office visit, but I'd be "spending" a lot more if I paid the entire fee for the visit. The only real prescription I have is Nexium, which is a $40 copay, but I'd be spending a lot more for that, too.

If I self-insured, I could probably get away with a grand or so a year per person, so I'm paying a grand or so a year per person for the security of having major expenses covered.