I'm currently in a job that I hate (well, I hate working with the boss; the job itself is fine); but I get good health insurance very cheaply though it.
I'm mulling over what the ramifications of quitting would be, but I'm not sure if I really want to go without health insurance. On the one hand, there was a 2-3 day stay in the hospital following the birth of kiddo #1, which was about a $10-12k hospital bill altogether (including doctor's fees, etc)-- that's not a bill we really could or should have floated on our own, and I'm super glad we had health insurance. On the other hand, we haven't really been to the doctor since the birth of kiddo #2 (2 years ago), except for once (which was a simple office visit and blood labwork). I personally haven't needed medical care in years, and don't expect to need much professional help in that area in the future.
Does anyone have any advice on what it's like to self-insure*
I want to think that, for a pretty healthy, non-hypochondriac family of four, we could set aside $300 per month into a dedicated "healthcare" fund and just pay cash for any random doctor/dentist/optician visits, etc. Is that unreasonable? Granted, it'd never be enough to cashflow a massive emergency medical bill, or a serious chronic medical condition; but we don't have either of those and don't really expect to...
*Yes, ACA blablabla, but I don't feel like I ought to count on subsidized health insurance to provide for much, so I'm just assuming that it's not in the picture.