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[Igel]

65. I'm not wealthy.

But I have a donut hole in my insurance. It's a way of keeping the premiums way down.

First $1k is covered by insurance. The second 1-thousand-$ interval isn't. Then insurance kicks in again.

My employer throws $300 into a health account for every employee.

I have $25 each paycheck put towards it. After 1 year, that's $600, plus my employer's $300. They've let $600 roll over each year, and I make sure that some of the money goes for copays and regular meds to get down to the roll-over amount (it's time to check up on that, to be honest). So far, so good: Start of every year after the first paychck I'm at $900, and I use maybe $600/year for various tests, etc. It works, it's stable, and I think they changed the rollover amount for this year.

Don't have to be wealthy.