My wife pays med malpractice insurance premiums that seem superhigh to me. As a percentage of income I’m guessing it’s about 15-20 percent of gross. Never had a claim. Basically it’s all barely worth it. If you’re a doctor you really need to earn a lot of money or just skip it. That’s why your HMO doc has 2 minutes to talk to you. After student loans insurance taxes and expenses basically some docs are just screwed or essentially working for not a lot per hour. Don’t be a doctor unless you’re going to earn more than 200,000 per year.