i'm sitting here, doing a little math. last year i was employed, and had to contribute half to my health care. this year, i'm paying my own. the total spent between last year and this year, is $7500. sure, we had a few minor trips to the doctor, a few prescriptions, but i think that if i paid those out of pocket, i'd be ahead by about $7000. so, barring a major emergency, what's the point in having coverage?