That's why I like the Medical Savings Account set up that is part of the new Medicare Bill. You could set aside up to $4,000.00 per family to pay for out of pocket expenses ( like Dr. visits and stuff) then buy a catastrophic insurance policy for the big ticket items like what Graybeard's wife had to do. We have health insurance with SSQ's company, but before the company pays anything, we have to have paid a $500.00 deductible per person. We might as well not have it for all the use we get out of it. It wouldn't cost $1,000 for all of us to go have a full physical each year!