Originally Posted by
Justdoinmyjob
For the last three years, my family has hit the the max by around May/June. I still haven't won the Mega Millions or Powerball yet.
I have DPMP. While the premiums are higher, maxing out early and getting essentially free medical for the rest of the year balances out. The downside is having a kid who has some severe longterm health issues that lead to the maxing out. The Mayo clinic ain't cheap. but they do good work!
And if I were you I would do the DPMP without even ever looking at any of the other options. When you know you will have stuff like that you are no longer buying "insurance" because you know you will pay the max.
I also respect parents like you who can deal with severe issues when it comes to healthcare with your kids. I think all of us who never have issues take for granted how much good health is worth, especially when it comes to your children.