The only problem with that Steve is major medical you would have to get a policy that covers ER & Rehab & Hospitalization etc... Putting the premium money in the bank won't help a person if something tragic happens. It's very unfortunate but basically the insurance companies have people at a huge disadvantage. In this situation there is no patient protection at least not for the doctor visits. My insurance does not even cover doctor visits at all not even after deductible has been met.

Karen Habel, CDA, CMBSI, CDBSI

Nothing I say shall be construed as legal advice; always check with your own financial or legal advisors for your specific situation.