@alice
We have insurance that “pays”, but choose to do self-pay for our daughter’s care because while it doesn’t apply to the deductible, it saves us $300 a year. We also don’t use our prescription insurance because our choices are Walgreens, which we refuse to use for moral reasons, and a pharmacy that we’d have to drive to another town to use.

But if we have some massive issue requiring hospitalization it’ll be there, after our $13,000 family deductible. 👍