A little mis-step on the stairs (I didn't even fall down) and I broke a bone in my foot and my boot (AirCast) cost me $273 out of my own pocket because my deductibles are so high (not my choice) . I'm hanging onto it. The cost of medical stuff is unbelievable. And I work for an insurance company! (commercial business though) and our coverage has gone up double digits every year.....I'm grateful to have insurance but I almost can't afford to actually use it !! KEEP IT