I swear I'm about ready to cancel all insurance

[stopbush]

3. The question is whether you have the discipline to actually put the money in a savings account.

Most people don't have that discipline. They have good intentions, fail to save the money, and end up in a world of hurt if and when something catastrophic happens with their health. It's hard to stay focused when other bills arise and you raid that health saving fund to cover immediate needs.

Of course, it's all about catastrophic illnesses, which never give people a five-year warning that they're going to happen. You could do great for a year, putting $1000 away every month, only to have something happen that wipes out the $12,000 you saved in short order.

But sometimes one needs to roll the dice in life. You may be at that point.

Here's hoping the Obamacare exchanges kick in quickly. Then, we'll all have better options.