[Nickshu]

Thanks guys, I wasn't considering dropping health insurance all together, just dropping down to the cheapest plan that is only for catastrophic needs, then paying the annual retainer for a Concierge doctor for me and my family. Seems like the ROI would be better as currently I'm paying my $14,000 per year in health premiums and then ON TOP OF THAT paying for all my preventive and regular care, minor stuff, etc that I am getting that's under the deductible, which is around $7000/family.

For example my wife slipped on some ice and twisted her ankle. We spent our max HSA contribution on this last year and the health insurance paid about $55 of it. Seems financially pointless if I could pay less than half as much for catastrophic care, then buy my own preventive/regular/minor care and still come out ahead??

We've looked at offering health insurance through the business. It's exponentially more expensive than buying it yourself and unless we stomach a large part of the cost for our employees it's cheaper for them just to go on Healthcare.gov and buy their own coverage. We gave our employees a choice...either have health insurance thru the business or have a profit-sharing bonus program (in addition to the safe harbor 401K we do). They chose the bonus program.