Amazing how "insurance" has changed, or should I say cost shifting maneuver. Roughly a dozen years ago, my subsidizer, a major fortune 500 company provided excellent coverage as a part of a benefits package. Things changed. Costs for care increased dramatically, due to a variety of reasons not related to the care itself. Anyhoo, the fortune 500 company decided that they didn't like having an unknown liability hanging over their income statement, so they decided to slide out of the business, without ever really stating it. Their call. OP asks a valid question and one worth careful consideration. Today, my "coverage" has morphed into just a catastrophic arrangement, whereby I basically cover the first 10-12k, so I have to have that on me all the time. Per year. So, to answer your question, OP, I think that it depends on how old you are and what you want in your life. I'm getting closer to the end of the trail, so there's no way that I would restrain for the sake of safety and what might happen. I see neighbors, friends and family hit by stroke, PAD, and Alzheimer's almost every week. It is heartbreaking to see them suffer. I would hate to think that I had "saved up" for THAT. If anything, I believe that we have to turn up the volume a bit. And always have a back up plan.