Medical aid is becoming one of the biggest monthly expenses for South Africans, with many schemes increasing premiums well above inflation. Rising hospital costs, specialist fees and chronic illness claims have made cover harder to afford, and experts say more young, healthy members are cancelling their medical aid because they simply can't justify the monthly cost.

But here's the question...If you decide to drop your medical aid, what's your Plan B? Do you move to a hospital plan? Take out medical insurance? Put money into an emergency savings account? Or are you relying on the public healthcare system and hoping for the best?

Healthcare isn't getting any cheaper, so we're curious to know what South Africans are doing when medical aid is no longer affordable.

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