For those of you that are full-time or most-of-the-time but not yet old enough for Medicare, how do you handle your health insurance needs. My wife and I were fortunate enough to be able to stay on ou...
You are in an HMO. See if you can switch to a PPO through your employer. Depending on the state you live you may be able to get PPO plan though the ACA. 20K won't cover much since you would be paying full price at a hospital, rather than the much reduced rates insurance companies pay.