Today I was checking with another agency on medical insurance. During the discussion the agent asks if I have workman's comp.. I say well no, I'm my only employee and I currently have medical insurance, so what would the point be of having an additional policy. He proceeds to tell me how this farmer was injured while working in the field, had a $76,000 medical bill that was not paid by his insurance co. due to the fact that he was producing his livliehood "his job" and was not covered when working, that would be the responsibility of his "employer". Then he tells me that there is only 2 company's here in MO that cover you if your injured on the job without workman's comp. and mine is not one of them. So now I'm thinking gee, I pay $170 a month and am not covered if I fall off a roof while cleaning gutters! Just wondering what you other solo guys do as far as medical?