We currently have a PPO with a high deductible, which we supplement with a Health Savings Account, plus a Flexible Spending Account administered by my employer. It's a cumbersome system, and most of our healthcare needs come out of pocket. We manage to spend all of the FSA money every year, on medicines, first aid supplies, dental and eye care. We try to leave the HSA funds alone in case we take a huge hit. Fortunately, we are all reasonably healthy.
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"Regret can be a harder pill to swallow than failure .With failure you at least know you gave it a chance..." David Howard
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