I've been doing a lot of research on insurance as well and I'm really tired of paying $8k a year for the pleasure of carrying around a plastic card just in case something bad happens. I have decided to put the amount we've been paying "them" into my own private account and I have checked with my 2 doctors on cash pricing. They were so willing to work on a cash basis because they can't stand working with the insurance companies either. It will be a savings of about $6,500 a year for us. I'm going to work with a insurance broker and get another policy for emergencies (emergency health insurance, catastrophic if your under 30 years old) only if it works out to be cheaper. Otherwise, whatever happens happens.