[Nickshu]

Hey guys, I'm currently paying over $1200/month for a Silver level plan with Humana for my family of 4. I'm a small business owner (17 employees) and I don't offer health coverage to my employees, just buy it direct myself.

My insurance was cancelled b/c of Obamacare. So to get the same level of coverage I was previously getting for $650/month my new plan went up to $1200/month. Lately I am seeing no value in paying $1200 a month. My wife calculated that last year we got about $55 in benefits from this $14,400 investment ($1200x12 months).

I am thinking about the concierge medicine route. I can buy a basic policy from Kaiser for about $500/month, which I would keep basically only for catastrophic coverage...major trauma, major diagnosis, etc. Then just pay out of pocket for the concierge retainer fee and regular Dr visits, preventive care, etc and go to the Dr that I chose.

Just seems like I am getting no benefit in paying so much for a Silver level plan, I'm still paying everything out of pocket (Actually I pay thru an HSA), and may be better off just to save the $$???

Thoughts? Please don't PARF this topic out, I'm just looking for advice and experience, not a political dialogue on our health system....trying to work within this ***** sandwich we're all stuck in now.