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I was wondering if the very rich carry health insurance or if they are "self-insurred."

Whats your idea of rich? I can't tell you how many times I have been stiffed or they have argued about my fee. I am talking about the mega rich.

My opinion is that most people should carry a high deductable policy ($2500) and pay for most things out of pocket. If you can look into a Medical Savings Account.

For instance, a 44 year old can get a $2500 deductable
PPO for $123.50/month. It has a $5,000,000. Lifetime max. I'll bet thats twice most group max. Setup a MSA and pay the $2500 deductable with pre tax $.

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