Self Insurance is the way to go and is easy for most families to cover unexpected medical costs. All one needs to do is earmark savings each year for each member of your family.
“Self Insurance is the way to go”
Co-insurance schemes are probably the best way to go.
Having a company and a patient both having to pay their defined shares makes both winners.
Better have a catastrophic plan. In the last seven months killing my newly found stage 3 cancer has hit close to $300,000.
If my spouse had paid cash bargaining with her medical admin background it still would have cost 100 to 150k and she would have committed suicidal acts.