any HIGHER out of pocket costs and some people would be better off not have any insurance at all... any HIGHER out of pocket costs and some people would be better off not have any insurance at all...The “Lead” plan is where they take you out back & shoot you.
Self insurance works for some notwithstanding it can be risky and is a crapshoot.
I estimate that I saved, “on average”, between 1971 and 2013, in constant dollars, approximately 300-400 per month and that is likely overly conservative as my insurance the last few years would have cost me twice as much, or 600-800.
But, at say $350.00 per month that calculates to $180,600 that did not go to support an insurance company’s G650. (Worlds hottest/fastest private passenger jet)