As an individual, you don't get the diversification effect of #1, so you end up paying a premium rate.
Hmm.
USAA quoted me $350.81 per month (same plan provider!) for two adults, two children, one adult 'healthy as a horse', one adult with preexisting conditions.
Just one pass, without shopping around.
That sounds pretty steep - it is - but it's only twice what you could expect to pay for car insurance.
I'll bet if I shop around I could find a deal. Wonder what would happen if more of us did so?
I live in fly-over country, in a drive-past town. Cost of living here is pretty low, all things considered. So I've gotten used to stuff being far less than it cost when I lived in the city.
I wonder if I could negotiate a salary increase from my employer in return for opting out of the plan.
For years my time in the Marines was good only for memories (good and bad), cynicism, and a career in IT.
Which isn't bad. But then they let me in the club and my insurance cost dropped like a rock.
Plus they're super easy to deal with. Had some hail damage and where my neighbors were fighting _their_ insurance provider months later USAA couldn't get me the money fast enough.
"Overnight .. is that soon enough? We can borrow an F-18 and air drop in about 90 minutes it if that would be more convenient."
Hmm.
USAA quoted me $350.81 per month (same plan provider!) for two adults, two children, one adult 'healthy as a horse', one adult with preexisting conditions.
Just one pass, without shopping around.
That sounds pretty steep - it is - but it's only twice what you could expect to pay for car insurance.
I'll bet if I shop around I could find a deal. Wonder what would happen if more of us did so?