I have employer-based insurance. We're covered there. I 've got the maximum I'm allowed to have without a physical exam and questions about my meds. I have Chronic Daily Headache, so what I take is A LOT compared to your average joe.

I can't touch the 3rd-party plan without cancelling it altogether. At the time, I took the Grade A plan because I figured my old employer would be firing us all.

Now, if I try to dial back on the plan, they cancel that plan, keep the money, and make me start all over on a new, cheaper one. I'd rather do that than keep pouring money into this one.

I'd rather pour that money into my gas tank because the money has to come from somewhere. I'm draining savings right now.