I have both a high deductible individual insurance plan, AND I have issues with spiders (Brown Recluses) ever since I moved into my home 3 years ago. :)
I might have received my first bite a few months ago (suspicious 2-hole wound, but didn't really fester or do anything funky). But even with a spider like a brown recluse, you're not guaranteed to have a nasty reaction - it all depends on how much venom gets in/on the wound, how deep it is, etc. There are only a handful (literally, like 3 or 4) of truly poisonous spiders out there, so you'll likely have far greater dangers to face on a daily basis from other sources. Having said that, it still freaked me out when I walked into the bathroom at 11pm the other night, and saw a medium-sized brown recluse sitting on the window sill under the bottom of the blinds.
Depending on your spider(s) that you have issues, with, you'll have different ways to deal with it. With Brown Recluses, some of the best course of action is to simply put an assload of glue traps down, similar to these:
http://www.diybugstore.com/catchmaster_glue_traps?gclid=CICv0aDxkLICFYdNTAodXTcACQ(just a random google search brought up the above website - search around). The rule of thumb with spiders like huntsmen and brown recluses that are 'hunters' and search out prey is that you can never have too many glue traps! I have 4 in each room (basically, one per wall) throughout my house. Initially, they were pretty prolific in catching quite a few, and the spiders caught has decreased as time goes on, as there are simply fewer of the buggers around to catch. However, if you have issues with web spinners, putting down 100 glue traps won't do much to catch them since they don't travel much.
Also, with any spider, keep your place clean! While spiders can live up to 1 year without eating, if you are vigilant about keeping your entire house (basement too!) very clean by picking up dead bugs and such, then the spiders will have absolutely no reason to stick around because there's nothing for them to eat.
There are a few commercially available spray solutions with chemicals that do a relatively better job at keeping some spiders at bay - some chemicals won't outright kill them on contact like with ants, but can do a pretty good job of attacking them (there is also some dust you can apply to under your baseboards that attaches to spiders and dries them out). Again, just depends on which specific spiders you have issues with.
Perhaps the glue traps would be best to start with, so you can at least catch a few of them to see exactly what you're dealing with. And believe me - those glue traps work! In fact, they work so well, after accidentally flipping/dropping them on my hardwood floor a few times in the same spot, the glue substance actually physically pulled the 3 layers of polyurethane coating off of my floor! And don't throw the glue traps away after 1 month if they catch stuff - remember that more bugs (even spiders!) in the glue trap will only attract more spiders because of all of the bait. Those glue traps can easily last over 1 year and still be just as crazy sticky as when you first took the shipping paper off of the glue. The only problem is when you have dust bunnies floating around and other crap - that'll find those glue traps and eventually settle on it. My suggestion is to fold them over and not leave them flat open (reduces the dust, and not as unsightly to your guests to see 2 or 3 spiders stuck in a glue trap).