So did you and your spouse consume $17,748.34 of health care costs in 2012, not counting any co-pays or deductibles you might have paid?
Absolutely not. We NEVER come close to meeting our joint $800 deductable. my health insurance has never paid anything if you don't count the negotiated rates with in network providers.
Do you think you could have made better use of the money that your family did not use for health care?
It's never been apart of my income so I don't think of it as income. I'm sure my company sure could have.
You effectively gave the excess away to other people to use for their health care without even realizing how much you were giving away
We have a self funded plan that Aetna admins, so it's all just accumulating in a big giant pot. we get a report on it every year and it grows a huge % each year. this is one liability that is most definatly funded.