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I've got "Young Singles Cover" with Mutual Community. Well, at least I've got one out of the two :D $75 a month and it covers everything, inc extras, physio, overseas travel innoculations etc. Last dentist visit I didn't pay anything out of pocket.

There was a time when, as a young, healthy individual or family it might have made sense to self insure. I know people who have done so (simply keeping the money in an interest bearing account) and they had done quite well in that their accruals exceeded their medical expenditure. However, I...