Not to cooperate with the hijacking, but...

I would certainly prefer the C.A.S.H. insurance plan if I could get a reasonable credit for opting out. I would buy a plan that would cover nothing short of a hospital stay and then park the difference in savings.

We tried the C.A.S.H. dental plan recently after two of my kids were treated to a really lousy first ever visit to our "primary provider". The non-covered dentist we went to next was a husband and wife operating out of the first floor of their home with no other staff. Originally they quoted $55 each for two kids and then they dropped it to $40 for one and didn't charge for the baby.