Health Insurance or Not?

Terrible Deductable- So lets say you need your appendix removed next year- $28,000 surgery,You just ate 8k of that- So you better break an arm too or need brain surgery to go with it to make that deductable worth it......

8,000 dollars doesnt come overnight. You gotta work hard and long for that.

Try a better deductable like $500 or $1000 tops.Even if your monthly premium doubles...

 

Just trying to help,Im aware that you have a cheap plan-But is it cheap once you need it?

What do they give you 2 visits a year free? with a small copay?

Your best off selecting a plan with a touch higher premium and a lot smaller deductable god forbid something big happens to you.......

I used to think the same way- But when I had a family to cover- I balanced it out to where a $1000 deductable allowed well over that covering 4 people....You gotta outhink the insurance system- They are in it for heavy Profit.....

Prior to 1974- It was illegal for healthcare to operate for profit.

 

Well he choose his BRONZE plan according to the monthly price.
If I was still in my 20's 30's maybe 40's I probably would still think bullets bounced of my chest. Take the same risk.
$8000 isn't cheap so basically the insurance doesn't cover anything unless something BAD happens. But for a 29yo, maybe not the worst gamble. Part I dont like is it's a hmo.

 

That's ok. The most important thing about it is that they won't put a lean on your house. That's exactly what the insurance is for. $8 000 can be arranged to be paid in quite many installments. They are flexible with that and they won't charge interests. That's the only good thing about hospitals being "non profit" organizations, which otherwise is a sham.