just asking out of curiosity really
i spend so much on the best health insurance you can buy only to find semi regularly they pay f all and i still have to pay thousands on top
it makes me often ponder if i would be better off automatically saving the premiums in my own account instead of automatically paying it to meanibank
and then 'self funding' my health stuff out of that account
and then i wonder the same thing about all the other insurances in the world
i mean basically when you have insurance you are gambling against the insurance company right?
if you saved instead, as long as you have the discipline not to touch it for other reasons - wouldn't you win as long as you didn't have a disaster in the short term?