“Oh and I just got myself a quote with Empire for $312. I still think thats nuts, since b”h i go to the doctor maybe once a year, i just feel like it wuold be such a waste of money to pour that down the drain each month! “
That offer might be worth grabbing. Empire is a good insurance company with a large network of providers. Should you get seriously ill or have an accident, you will be very glad you did. Remember that insurance is to guard against the unexpected, not to provide the expected.