What is the best catastrophic health insurance plan available? That’s the question I set out to answer through online research, consultation with various insurance reps, and personal experience. I’ve been uninsured for several years now, since quitting my  job in 2005, moving to Idaho, and starting a business of my own. We haven’t had any need for major medical insurance in that time. We’ve paid cash for the doctor visits we have scheduled during this time, whether it was eye appointments, physicals, or dental work.

I can honestly say that it’s been a great experience to eliminate that huge monthly expense, and we haven’t missed it. The one exception is the peace of mind. One major unforeseen health expense could really damage us financially for a long time.

So the question really comes down to this: How much per month am I willing to pay for peace of mind? To date, nothing. But with six kids, going on seven (we’re in the process of adopting a little girl), and a growing business that is allowing me to spend a little money on such a nebulous thing as “peace of mind,” I decided to research my choices and share the results here in this blog.

So stay tuned to find out if catastrophic health insurance might just be the cure for out-of-control, full-coverage medical costs. And stay informed as well. Don’t spend your children’s future earnings by going along with government-run health care. (When’s the last time the government did anything well? Like, never?) But I digress. More on the dangers of socialized medicine to your health, liberty, and checkbook later.