As self employed individuals, my wife and I were always aware of the costs and coverage of health insurance. If you are not in a group to help make the premiums more bearable, it is difficult to be able to afford to cover your family with insurance.
We have considered only covering catastrophic needs, but that leaves you vulnerable, especally when you have active children. It can make you not take them to get care they need for illness or emergency room visits. My wife went to work full time, primarily to obtain insurance coverage that takes care of routine medical needs with only a reasonable deductible in place
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