Originally Posted by REWahoo
Yup, age is a huge variable here.
My wife and I opted for a very high deductible with proportionally lower monthly premiums. We calculated what our expected prescription drug costs and annual preventative medical expenses would be and determined that it made much more (dollars and) sense to pay less now and pay the medical expenses as they occur.
While this does save us money, we do suffer a bit of sticker shock each time we go to the doctor and have to write check, but cumulatively it's cheaper...