Suggestions, Please?

I am a business owner in America which means that among other things, I have to provide my own health insurance. As a 60 year old husband of but one wife with no children living at home this means I pay over $1,300 a month to Anthem. This purchases for me and my wife what amounts to catastrophic coverage, since before Anthem pays a dime on my behalf, I must accumulate over $3,500 in medical bills in a calendar year. My wife must do the same. To cover this gap in reimbursement, I established a health savings account (HSA) years ago, into which I currently contribute roughly $500 a month. If you’re playing along at home, that means that I spend upwards of $21,000 a year for health insurance before my insurance company pays a dime. Let’s set aside for a moment how preposterous this arrangement is, and instead concentrate on one of the many conundrums which it presents to me each and every year.

The idea behind the HSA is sound. The hope is that on the years where I don’t ever go to the doctor, the money builds up exactly like any other savings account. If years from now there is a surplus in this account, I will be able to use it for any expense that I wish. At least that was the theory. In reality, there haven’t been very many years when doctors were not a fixture of my schedule. Getting older presents you with a bulging stack of business cards which feature the letters, Dr.

So, here’s my problem. Three days ago, I woke up with a sore throat. Over the next 24 hours the sore throat was joined by a hacking cough. Now, three days in, my throat is still sore, the coughing has gotten worse and now I’m sneezing a dozen or more times a day and can’t summon enough energy and enthusiasm to make a ham sandwich, let alone do my job. I have no fever or body aches, so it would seem that it is not the flu. So...what do I do?

I can waddle over to Patient First, sit in their waiting room surrounded by a dozen other people who all look and sound as if they have the bubonic plague, then an hour and a half later be informed by a doctor(?) that I have a cold, drink plenty of water, take these antibiotics and that will be $145 please. Or, I can save the cash outlay, go over to the drug store and find these babies...

...the DayQuil/NyQuil Walgreens knock-off on sale for $7.99. The question I pose to this audience is a simple one. Which is the better deal? Which strategy will result in a faster recovery? If you’re a hypochondriac I would rather not hear your opinion, but if you are either a doctor or nurse, or play one on TV, your recommendations will be welcomed.

Thank You.