We touched on such plans before, but I can't find the thread with TMF's search engine. My younger sister is a member of the Church of Scientology. They self-insure their members. She had a very uncommon pregnancy - Conjoined (Siamese) twins, joined at the head. The organization's self-funded "health insurance" dropped it into our family's lap, with no help. Fortunately, my older sister is an RN and was able to persuade a teaching hospital (Barnes Hospital, IIRC) to take it on at significantly reduced cost. You want to make sure that the plan is regulated, at least I would. I don't *think* at least one of the plans that you mentioned is. If I chose a non-regulated "plan", I would certainly want a regulated catastrophic plan on top of it... say maybe a hospital only 80/20 copay plan with a stop loss, $10,000 annual deductible, preferably with a diminishing deductible for years I went w/o a claim, and decent PPO network, for example.Bob
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