I currently have health insurance through my wife's employer. The cost is $400 a month for just me and her, no kids. I am 59 and she is 62. The middle of January she will be leaving her job after 21 years. She is a health benefits Admin at her employer and knows most of the ins and outs of health coverage. We are on a high deductible plan and contribute to a pre-tax HSA. We have been shopping the markets as well as consulted an independent agent. We have decided to be self-insured. Why? Because, even with semi-annual doctors' visits and the meds we take, we never get close to meeting our deductible, nor would we if we chose coverage. Putting what we would pay in premiums into a savings account, or investment account, would save us money. Anyone else doing this? Does anyone know of a good tax-deductible product that pays interest but is accessible in the event of an emergency?