Yeah, what cushions my situation is that the school district puts in about 2,000 a year into our account. She's putting about 230 a month in herself, which is what she was doing before this year when we had a flex account instead. For my 1,800 bill for the emergency room visit I was able to set up monthly payments, so I don't kill my account which was nice. I found out the hard way, Thedacare doesn't do burns. They stuck me in an ambulance (2,300 bucks, thank you very much) and drove me down to the Ascension burn center down in Milwaukee. (nice view of the lake from my hospital room...) Their bill was the big one along with the big charge for the ambulance. I had mostly hit my deductable by the time those charges came up. The flex account we used to have was nice in that all the year's money was available right at the start of the year. The downside is the "use it or lose it" feature at the end of the year, where we couldn't save up money.