After enrolling in a PHSP, we have been contributing on a monthly basis of about 1/2 of what we used to pay in premiums under our old plan and yet can include many more items not refundable under the old insurance plan. Even with the expanded number of items that can be claimed for reimbursement we are increasing the money in our deposit account on a month by month basis. Payment of claims is very reliable with the average turn around time being about 2 weeks.