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Message: <blockquote data-quote="icarus_85" data-source="post: 3687387" data-attributes="member: 40891">I don’t know what your financial means are, but….. If I had $20-30K in the bank or an investment I could liquidate, I would think about cash flowing regular office visits, Urgent Care and shopping for a cheaper catastrophic umbrella policy. Say 2-3 million.  You’d need to shop those policies to get best price.  The umbrella would cover major surgeries, cancer treatments, etc. I’ve a friend who does this and it’s been cheaper in the long run. Medical providers have an “insurance” price and a “cash payor” price.  The cash pay is typically  30% less on average.This assumes you and your family are all healthy and don’t have any chronic or long term health issues. If so, insurance is probably best.</blockquote>