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COBRA Or Self-Insure
Hi! My husband, who is the sole income earner in the family, is currently in between jobs. We are feeling the pinch on our Blue Cross Insurance premiums and are debating if it makes sense to save the $1,700 premium per month, switch to catastrophic coverage and "self-insure" instead. We are in relatively good health but I am concerned that the medical needs of a 2-year-old is unpredictable. I keep worrying that his being born 5 weeks early may cause some developmental deficit. To put things in perspective, the only real cause for concern is...
