Gawdomity---kaiser

[Rocky Raab]

What the liberal whiners deliberately overlook is the fact that the bulk of us who are healthy don't NEED health insurance. The exception, as Fabs points out, is catastrophic illness coverage.

My wife and I don't carry or pay for dental coverage in her teacher's plan - simply because we have good teeth. We pay for twice-a-year exams and cleaning out of pocket. Doing it that way is only a fraction of the cost of premiums.

Search for a policy that protects you from heart problems, cancer and major accidents only. Invest what you save and you'll be fine. (You DO have a nest egg anyway, right?)

One other thing you should look into is long-term care insurance. This can be unbelievably complicated to select, but we started a plan last year that will cover us if one or both of us ever needs an institution or live-in care. Chances are you WILL need something like it someday, and the premiums are only about 10% of what it would cost without the coverage.