Should I set up a Health Fund?

After work today, I went to the chiropractor, and he said that my neck, back and shoulders seemed SUPER tense. I know that I should keep going to the chiropractor, but it’s $40 for each visit, which is more than I can really afford once I stop having extended health coverage. However, you can’t really put a price tag on your health … so perhaps I will have to continue with the sessions. They do seem to be helping.

Plus, I have about 60 hours of vacation payout coming my way, so perhaps I should start some sort of “Health Fund” and auto-deposit money into that account every pay cheque. It would help to pay for prescriptions, dentist visits, chiropractor appointments, or maybe even one or two massages per year – and besides the car accident I was in 2 years ago, I’ve never seen a massage therapist before.

I was thinking of saving $100 bi-weekly into this “Health Fund,” but perhaps I could just dump all that money into my EF and keep it all under one big EF-umbrella. It would certainly make things a little more simple in terms of keeping track of all my savings accounts. But, is a massage appointment really considered an “emergency”? It’s a tough call.