[ican'tbelieveit]

catastrophic care. I would love that. pay cash for the rest of it.

And, since my employer pays a portion of my healthcare, can we figure out a way to put that into an HSA that I can pull from?

If, after all of these years, my employers had contributed to an HSA as much as they had to cover me for “group insurance”, I wouldn’t need insurance for the most part. Just that catastrophic cancer/massive health failure care.

[SamAdams76]

I basically have the catastrophic care option already. My employer provides a pre-tax HSA option and I put a hundred dollars a paycheck into it. Along with that, I have the insurance option where everything is 100% out of pocket until my full deductible is reached ($3,000 per individual). Then everything is 100% covered after that.

This also keeps my premiums much lower than if I chose a standard HMO option where just about everything is covered (after per-event co-payments).

[ROCKLOBSTER]

since my employer pays a portion of my healthcare, can we figure out a way to put that into an HSA that I can pull from?

Many employers offer an HSA in the benefit package as one of the coverage options. So it is possible.

[lepton]

We know what actual catastrophic care insurance costs...$50-100/month.

Unfortunately, except for a few religious groups, those have been made illegal.