Reply #94: We're self-employed, too, and my only advice to you is to not age

[Vinca]

and - above all else - never get sick. In 1997 we had a decent insurance with a $3500 deductible at about $750 a quarter. High for the time, but affordable for us. Over the years it got higher and higher and higher. We upped the deductible to $5,000. It continued to go higher and higher and higher. Did I mention we never filed a claim? Finally, about 4 years ago, it went to the stratosphere: $1,200 a month with a $5,000 deductible. We could go to $1,000 a month with an $8,000 deductible (and, of course, the policy only covers 80% of costs when it does kick in). Neither was affordable and we had to drop it in favor of the keep-your-fingers-crossed-until-you-hit-65 plan. Why on earth did you leave the UK for this??