For husband, wife, and one child - we don't run to the doctor for sniffles or minor cuts but we want to be protected so we don't lose our home in case of cancer or other major expenses. Company names of reliable insurance, please ?
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In the first part of your question, you're asking for an ALTERNATIVE to insurance. In the second, you're asking for insurance companies. Sounds like what you're describing, is health insurance with a very high deductible - like $10,000. It cuts the cost for health insurance for your family, about in half - maybe from $1200 a month to $400 or $500 a month. Your local agent can help you shop for this, and find plans in YOUR state and city.
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