"You might want to increase your deductible. My wife's $3500 deductible is less than $200 a month. We figure we are self-insured for minor stuff, but want Blue Cross behind us in case of serious illness.cliff"Bingo. The way to think about insurance is as protection against catastrophic occurrences. I have a high deductible and low premiums on my health insurance policy and my car insurance. I handle minor doctor's visits and fender benders myself, keep my premiums down, but have coverage in the event of more serious calamities.Joel, that works for people with enough money to pick up the tab until insurance kicks in. But it doesn't work very well for the poor. And even for those of us with money, the monthly premiums are quite a big bite.I just think there is a better way.AM
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