It is odd to me how he keeps describing his $500/month insurance as being useless: he is generally in excellent health and his yearly expenditures are low enough that he is always paying down the deductible.
Does he feel car insurance and home insurance are useless since he didn't total his car last year and his house didn't burn down?
He knows this (as he mentions it obliquely) that he could lower his deductible but his costs would go up. Is he complaining that he is on the wrong part of that tradeoff curve? Or does he expect low-cost insurance with a low deductible that covers all of his routine medical expenses?
Does he feel car insurance and home insurance are useless since he didn't total his car last year and his house didn't burn down?
He knows this (as he mentions it obliquely) that he could lower his deductible but his costs would go up. Is he complaining that he is on the wrong part of that tradeoff curve? Or does he expect low-cost insurance with a low deductible that covers all of his routine medical expenses?