under my circumstances, yes, I do feel it is wise, we can put a reasonable lump sum of money into an account, we can add to the amount every month, our credit card can take the initial βhitβ if needed, I have blood pressure issues since suffering from a spontaneous internal carotid artery dissection a number of years ago ( no stroke, no stent, no aneurysm, no medical intervention) so I am under the impression health insurance either would not cover me for my pre-existing issues or would involve such a high excess or high additional costs to render it unfeasible hence going down the self insure route