yield: How old are you? I have a high deductible plan for my wife and kids = $130/month. My insurance is $330/month and sucks. They just raised rates and deductibles and it does not kick in for a few grand worth of expenses. But as you can see when combined it is $460/month.
I self insure the small stuff and for the most part nobody goes to doctors very often. It is in place for any big hits.
My only big expenses beside health insurance is all discretionary stuff like preschool, tennis lessons, drum lessons...etc.
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