I find it odd when people make these 2 comments:
"I don't ever use it but if I dropped it, I would suddenly need it"
You are using you health insurance policy every day, 24 hours per day - it's an INSURANCE policy, it's there in case something goes wrong. Just because you don't go to the doctor or emergency room does not mean you don't use it - it means you're not collecting on it but you ARE using it.
"Please don't even suggest Obamacare" do you know what ACA is? because thsi statement make me wonder. The ACA is a subsidy for those whose yearly income is below a certain amount. It's NOT a totally separate healthcare system. I retired this year and needed health insurance - I did my research and the SAME policy from BSBS WITHOUT ACA subsidy is $1600/month - with the subsidy, it lowers the monthly payment to $600/month for the EXACT SAME POLICY. So please explain your comment about ACA?
G