Ucodegen mentioned he is “basically” self-insured. Although I don’t know the details, I would guess he does not mean that literally.

Wrong, literally/actually/for real… in liquid assets. I hope this is now clear..

Did anyone try the ‘little exercise’ I mentioned? Take and sum up all the payments you have made into ‘health insurance’ and apply an inside rate of return?.. or would you rather take pot-shots at people.