Liberated from Insurance? Part 8

This is the last post in my Liberated from Insurance series for now.

One thing I realized as I was researching life without insurance is that we really don't use our insurance now because many times we choose alternative care which is not covered by insurance.

If I add up the share costs per year for Samaritan Ministry and the cost of everyone in our 5 member family having a “discount card” at the direct pay doctor, we’d pay $6200/year and I could throw in our gym membership as preventative care and still come out well under $7600 per year. Honestly, I’m not getting everyone a discount card at the direct pay doctor though. Last year, our oldest FindingOurWay went to the doctor twice for ear infections. I did see my midwife once with bronchitis and had a chronic condition treated. However, the chronic condition isn’t something that needs to be monitored as close when I’m not pregnant so we’ll say we went to the doctor about 5 times last year as a family. At the direct pay doctor that would be $250/year plus labs.