Dave - I know what you mean, to those of us who don't have medical problems, it seems we pay more into insurance than we get out of it.

HOWEVER.....I am so happy I have insurance or else I would be stuck with a $25,000+ hospital bill (that I wouldn't really like to have go to collections and mess up my finances for the rest of my life).

You never know what can happen, and to me that is reason enough to pay for insurance. I guess I just luck out that mine is only about $20 a pay period.