Get catastrophic insurance if you have the cushion for the full deductible.
When I quit Cisco to work on my startup I was shocked at how much was coming out of my paycheck that I simply didn't notice. When my wife and I shopped around for individual insurance we realized that we could get very decent insurance for a fraction of that price. We opted for the even cheaper catastrophic insurance. Even though we hit the full deductible last year because we had a baby we're still ahead where we'd be paying the premium for my Cisco insurance.
Believe it or not, if you're even somewhat healthy individual insurance is not as expensive as you're led to believe. Or, perhaps, group insurance is more expensive than you've been led to believe :)
When I quit Cisco to work on my startup I was shocked at how much was coming out of my paycheck that I simply didn't notice. When my wife and I shopped around for individual insurance we realized that we could get very decent insurance for a fraction of that price. We opted for the even cheaper catastrophic insurance. Even though we hit the full deductible last year because we had a baby we're still ahead where we'd be paying the premium for my Cisco insurance.
Believe it or not, if you're even somewhat healthy individual insurance is not as expensive as you're led to believe. Or, perhaps, group insurance is more expensive than you've been led to believe :)