Thanks for your reply and comment. Yes, I enjoy living. Health insurance is a very individuel matter — also about feeling safe — I don't recommend any to drop it, I just mentioned my choice. The insurance cost will get higher over time, just like one's age. It's a question of balance to be self insured, including both own health and inherited family health, and what level of assets you have or can easily activate in case of need. Insurance with an yearly limit resets to a fresh next year, your spend savings don't, if you have used any of them. Therefore it is important so get into a habit to stil paying "insurance fee" to yourself, if you are self-insured. And yes, it's not the smaller amounts for health that is a problem. A 500k deductible would certainly be of interest, if the insurance covers a large amount beyond that level.