I'd jump all over that $25,000 deductible policy the author used to have. Best of both worlds: you pay out of pocket for most of your medical care and receive the cash discounts that come with that; but you have insurance against financial ruin in the event of a catastrophic accident or illness.
To many, a $5-7K deductible is virtually the same as 'catastrophic' care. And many can barely afford premiums at that level.
From my view as a small business owner[and manager of a group policy] it seems that increased deductibles and higher out-of-pocket expenses at a higher premium is all that we[our group] have gained from Ocare.
