You guys are probably way ahead of me on this but the HSA concept (Health Savings Account) is something that I have FINALLY started investigating. (My son, Matt, who is in charge of our family's finances has been bugging me on this for years.)
Simply put, you go with a high deductible insurance plan and then can deposit the amount of your deductible with BEFORE TAX dollars into an investment account which also draws interest tax free. You can use the money to pay your deductible or virtually any other health related expense. So now you are paying with before tax dollars, which for many self-employed people between social Security and income tax may mean a savings of 30 to 40%.
I'm no expert on this stuff but thought I would bring it up.
Steve Toburen CR
Director of Training
Jon-Don's
Strategies for Success
PS Blue Cross supports this concept and I believe is affiliated with Wells Fargo even though you can set up your HSA in many different places.