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Personally, I'm planning something in between. My wife and I will get high deductible insurance that will cover the really big stuff ($2K-$5K deductible for about $2K / year for two adults in their 40's/50's) but we will use the medical services in non-US locations for the routine and small stuff that we will pay for.

I'm still a few years away from FIRE but this is a very similiar plan to what my wife and I want to do. Get very high deductible insurance and pay low monthly premiums in 100-200 per month range. Then with the new MSA's here in the US, I plan to have a stash of at least 20k to take care of the non-deductible expenses. With healthy vegan lifestyles for both me and my wife, I don't expect to go to the doctor or hospital except for accidents.

On the REHP board, I get blasted everytime I post this strategy, usually by people with horrific health. If I planned on $1000 per month "do everything health insurance", I would have to work a lot longer.

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