WHOA!

So what's the point of that plan now? $4500 + 10% thereafter? The goal was, as Slow mentioned, hit $4500 (mostly out of pocket unless incurred at the end of the year) and be done. $375/mo and $300 after tax deduction? Now if you're kid goes in for a $23,500 bill as Slow mentioned (or a typical broken arm and surgery from falling from a tree which was $21,000 in the case of my niece) then you owe $4500 + 10% or $1850 and then 10% from that point forward.

Man I wish I was rich to afford our medical payment pla... I mean insurance. It's like all the costs of no insurance with the premiums and higher bills of insurance.