My job does not offer insurance and even my husbands job offers expensive insurance that would cost us over $115 a month for health and dental for us. All we want is two dental cleanings a year and one or two visits to the doctor for when we get the flu (which we do get, every year). Wouldn't it be cheaper just to pay for the doctor visit instead of paying hundreds to an insurance company only to get half off at the doctor?
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If you don't go to the doctors often, do not get it, Your wasting your money. If you do go the doctor often, every year, then I suggest having it. Out of pocket in the end will be more expensive with the cost of medication. .
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