[SpeedyATL]

While what you suggest might be true from a legal perspective, the larger ones have hundreds of thousands of members and our coverage is unlimited. So if they failed to pay, their members would run for the exits.

The one we are with has been around since 1981 so if they had a history of not paying, we'd know. We've had a few claims (not large, about 6-12k) and had a much better experience with them than we had with BCBS and zero push back.

To each his own, but if you just put the 1500/mon savings in your pocket, you are almost 18k ahead each year, not to mention the deductible difference. That adds up pretty quickly.

I bet $1500/mon could lease a nice m3/4 or m850, even in these crappy leasing times....