I'm looking at these again--there are days that I am not sure that I can justify the stress of my day job enough to keep doing it. I much prefer teaching, but between preparing for classes and working full-time at a job that I hate (mostly because I hate JSPs so much), this is just too much.
If you can handle a $10,000 annual deductible, you can get coverage for a family for less than $500 a month. A Health Savings Account provides a way to accumulate tax-free money to cover the deductible and copayments--and it carries over from year to year, so that if you have one really bad year where you actually hit the $10,000 deductible, it is only an "ouch" instead of a disaster.
I'm waiting for the 30 year Treasury bonds to get 8% yield. Or maybe even 6%. If I have to spend much more time trying to figure out these undocumented JSPs, maybe 5%.