Would you pay $200 a year all your life for no medical bills?

My insurance company is offering this in order not to drop my services with them. $200 per family member for the rest of our lives. But then everything is free no copays or deductibles. I have four kids.<br><br>I am not sure if I should do it. The idea of not worrying about medical bills is enticing. <br><br>What would you do? And I have four kids.<br><br>Edit: I am 42 years old. <br><br>Edit 2 I am no longer at the mercy of the company. Services are done. And no I am not an insurance agent. <br><br>Edit 3. Thank you all for the comments. I have decided to terminate the contract. Just one of my children’s dental work is in the pay off mode. And the level of care has gone down. I am going to give them 30 day notice and terminate.<br><br>Edit 4. I have decided all things considered to terminate the contract. Just one of my kids has a dental bill and the level of care is going down. Also I’m thinking of moving.<br><br>Edit 5. Quick update. I have given then 30 day notice. I terminate the contract at the end of the month. I have an appointment with a specialist on Monday. Thank you all for the comments. I have never heard of the phrase before and it came in handy. Don’t show your hand.<br><br>Edit 6. And finally some good news. I am not on the hook for the $200 per person for the rest of my life. Even though they are dropping me they aren’t expecting me to pay them for the rest of my life.<br><br>Edit 7. Final Update. 30 day notice is up. We have a Monday appointment with the specialist which will be paid by them. And then I’m done.