Check out HSA. Can be used with high-deductible insurance. You can still file the claim yourself, even if you pay the doctor cash. Once you reached the deduct

Check out HSA. Can be used with high-deductible insurance. You can still file the claim yourself, even if you pay the doctor cash. Once you reached the deductible limit (paying with HSA), the normal insurance will kick in. With $8,000 limit that must be pretty serious stuff anyway.