FrugalFish, we do have insurance.. we just pay for the first $5000 and are covered 100% after that. That's why we were able to get such a great rate ($88/month). The other quotes we got for normal health insurance for my wife were in the range of $300/month, not including maternity coverage which was an extra $150. We still paying about that much per month, except we are putting it in an HSA instead of just paying it to the insurance company. Thus, we have a sizable savings built up. That seemed like a better option for us. The money is still in our control, and we're covered in case of major medical expenses.
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