So what you could use to start is a HC savings account and a high deductible of around 50K so after a couple years your risk is around 20K.
Except the policy deductible is too low to be authorized a HC savings account. We had to close the one we had. And, being in a cyclic business, I cannot guarantee that the work load will support such a scheme for long enough to reduce my exposure from 30K to 20K.
The point of all this is to show that the government, in the name of helping ‘uninsured’, have made small businessmen practically uninsured. And they have structured it so that - if you have the ability to pay a reasonable premium - you have to pay an unreasonable premium for coverage that does next to nothing for you, in order to prop up the insurance coverage for the ‘uninsured’.
It is a shell game that cannot continue.
Add in the states deciding that illegals get coverage, and we are paying for our own invasion. And paying dearly.
Thank you for a respectful response, and although we disagree, I certainly hope you find my response also respectful.