I'm self-employed. I choose to pay for my own health insurance and it costs me $14,000.00 a year for me, Wifey, and two kids.
Now over the course of said year we might go to the doctor or hospital a few times a year and maybe burn up say $2000.00 a year in actual services. So at end of the year I show a net loss of roughly $12,000.00 a year on health care.
What I'm hoping for is someone in my family (not me) gets some wicked rare illness...maybe a year long coma....some long term treatable cancer....you know...something that will cost a TON of money that my health care will cover.
Just ONCE I want to be ahead of them by a hundred grand or two.