vic,

i have to admit that i didn't read the responses right now.
however, my answer would be to do what is best for YOU. if you run the #'s and find one outweighs the other then i'd pick that option.

also take into consideration pro's and con's of each choice, not just the $$$.

i'm inclined to stick with the insurance, especially since you can afford it.
you will be better medical care IMHO. it still may not be cheap but i believe it's better to have insurance than to navigate as a destitute needing medical care.

hope this helps.
J