Well I have a kid and a wife. I don’t have “regular” healthcare costs but I know damn well we’ll be shelling out some bucks on sunscreen, bandaids, ibuprofen and Tylenol, contacts and solution, etc etc. Sometimes we’ll budget more of we know we’ll need new glasses or something. I mean, yeah, it’s a guessing game, but that you can roll over $610 you don’t have to nail it to the penny. Totally worth the few hundred dollars we’re saving in taxes.