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ANY kind of insurance works best, when it covers things that might happen, and not things that will happen: you insure the possibility that your house might burn down, and self-insure (pay yourself) the certainty that the house paint will fade, blister & peel, needing to be repainted.

Health insurance is no different!!

While we may think our health insurance should be sprinkled with small copays, followed by 100% benefits, it simply is too expensive!

Rather, focus on two things: the cost of the insurance and the risk:

  • The “cost” are the premiums
  • The “risk” is the maximum that you could pay in claims during the calendar year – insurance companies call this your “out of pocket maximum,” and usually consists of your deductible, copays and coinsurance.

The more risk you are willing to take, the lower the cost; the less risk you are willing to shoulder, the more the cost.

Ultimately, you want to find a risk and a cost that are “comfortable” for you.