[TStoneMBD]

i dont know too much ont he subject but i think the best method to getting insurance is to just go through a company online and buy catastrophic insurance. it only covers hospital bills of like 25k and up. there are probably different plans you can get depending upon how much risk youre willing to take. basically if you think you could only afford to lose 15k to an accident then you can pay more for better insurance then catastrophic. catastrophic insurance for me comes to slightly over $100/m. getting full coverage insurance is pretty much a waste of money according to most people. its cheaper to just pay all the medical bills yourself. you can look at insurance from a gambling perspective, because thats what it is. you should bet against the insurance companies when you can properly bankroll the risk. any bets you make against buying insurance are +ev.