By switching from a somewhat comprehensive health insurance scheme to a $5,000 deductible plan* I am saving $385/month. In most parts of China, I can live well on $385/month. For me, "living well" means being able to spend the day--or the month--biking or hiking the countryside. Sleeping at the Ritz-Carlton is an aspiration for the synaptically moribund.
*MNUI, underwritten by Lloyd's of London. If they go out of business the Game Is Up for all of us.
