I pay extra for uninsured motorist coverage and then I have a short term disability and life insurance policy, costs about $50 a month, all said and done I think it would help me meet my deductable...
I hope I never have to find out!
But I can't imagine not having a job that subsidizes the insurance. I think I pay $45 a paycheck for health insurance, HMO with a relatively high deductable, relatively good insurance but not as good as it was pre Obamacare