Just saying.
One treatment however, could more than completely reverse that.
You never know. Currently you are ahead. But medical costs can be ASTRONOMICAL.
Huge. Even larger than what you are currently saving.
Congratulations to you however. I don’t want to take that risk.
If you want coverage, you should get it. And by coverage, I don’t mean what we had before, which could be removed from being available due to circumstances.
If you want insurance, you should get insurance, and you should remain covered as long as you continue to pay.
Period.
Everyone.
A clarifying anecdote: An acquaintance needed surgery. It was $50,000 and even the deductible was killer. He negotiated the same surgery, bypassing insurance for $4,600. No, that was not a typo. Less than 10%.
And here is the other dirty little secret: odds are something really expensive won’t happen to me. And if it does, I die. Lit is a must. I’m not going to fight God.
If I was a young man with children my take would be different. But in a free country I get to analyze the risk and make my own decisions.
I.e. health care is not the problem. Health care INSURANCE is the problem.