[ipqk]

I've been self-employed for years now (USA), and never buy dental insurance, because it's not really insurance, it's basically a non-taxable way for companies to give their employees extra money. Buying it as self-employed persons is basically just giving the "insurance" companies your own money.

[kbelder]

Isn't medical insurance the same? On average, the sum benefit you get from insurance is less than the total amount you pay.