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We have an HSA. We pay a low monthly rate for our family health insurance and have a $5200 deductible. Everything else that we would normally pay for health insurance goes into our HSA account which we can draw on for doctor visits, anything like that. None of us have been to the doctor in years, including the kiddo's so we were just wasting money on health insurance. This way we are covered if anything catastrophic happens but the little stuff we pay for out of the HSA account, which btw is tax free.
Kathe
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Sounds like the best of both worlds.