This is really just an extention of 'Nintendo thumb'

Good timing on the post. We just visited our obygyn one hour ago and signed the paper where we declined core banking. We thought long and hard about this one. Ultimately it came down to these factors. 1. We are both healthy people, eat well, excercise, etc. 2. Both of our families are genetically healthy. 3. Our pregnancy thus far has been normal. 4. We are in the 'normal' age range for pregnancy -- we are not 50 and having kids. 5. A lot of the treatable diseases are ones that run in families and the overall list is pretty short. Sure they are coming up with treatments to new diseases, but will the new treatment be available by the time my child would possibly need it? The odds are against it. 6. I recently lost my job (although money should not be an object in regards to your kids' health it is something we had to consider, but was only a very small part of our decision) That being said as with all insurance it is a gamble. I thought our initial cost was closer to $2000 with $30/month storage payments, but i could be wrong, as I said cost was not too big of a factor. I have read that if you are physically and genetically healthy then it may not be worth it. my 2 cents