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For any of you doctors out there are paying high premiums for family health care, look into a Health Savings Account.  You get a policy with a high deductable, maybe $5000 per year.  This gives you low monthly premiums.

Health Savings Accounts (HSAs) were created by the Medicare bill signed by President Bush on December 8, 2003 and are designed to help individuals save for future qualified medical and retiree health expenses on a tax-free basis.  You can put up to $5000 per year into this account.  Funds can be invested in mutual funds.  Contributions are tax deductable and accumulate tax free.  Medical expenses can be paid out of this account without a tax incident.  Any funds not used in a year, roll over.  At age 65 and over, these funds can be withdrawn without penalty, but will be taxed at your prevailing rate.

We take advantage of this and do not use funds in the account to pay medical expenses, to preserve funds in this tax shelter.

http://www.treas.gov/offices/public-affairs/hsa/