change as The Church is going to offer new plans for next year to their employees. We understand that it's a bit of a roll of the dice, especially the first year or two as you have very little built up, but would save so much on premiums. My wife and I are both late 40s in decent health, no medications, no chronic conditions.

We're having a hard time pulling the trigger as we're not very risky people and this feels much more "risky". What say ye Cougarboard?