
Originally Posted by
ZeroSugarMonster
I finally have health insurance but as I'm finding out as expensive it is, and as much of a discount I'm getting with my subsidy to make it seem like a great deal, the deductible is still 4000. As far as I understand, this means that I must still pay 4000 out of pocket before it covers anything. I'm having an issue right now that my primary care doctor absolutely refuses to treat with a drug that will cost $4/month. Because of this, I foresee some unnecessary costs as I bounce myself to yet another primary care doctor in the same clinic who sides with the original doctor. Both refuse to refer me to a specialist. I'm going to a specialist regardless, but I suspect he'll want to order more lab tests. All of this is out of pocket to be used towards the deductible. I was advised to go off a certain medication about a year ago during a primary care visit with health insurance I had then. I should have never listened to the doctor who got me off these meds, and now it's a pain in the butt to get back on.
Anyhow, if one wants to start pinching pennies, wouldn't it make more sense to forego health insurance entirely and declare bankruptcy in the event something catastrophic happens? Or otherwise, outright refuse to pay the bill? I know the latter sounds really messed up but at this point, I've been literally giving my money away to health insurance companies and not getting anything back. I recall paying $350/month for insurance while living in San Francisco. My deductible was $5500/year. So when I wanted to get vaccinations prior to traveling outside of the country, I had to pay everything out of pocket to be used to go towards my deductible. My situation is similar in NYC. I suspect I'll be seeing a lot of doctors to resolve my current issue, and all will be going out of pocket. I do have a hsa but still...
Are there super cheap, catastophic options for ppl over 30? I remember signing up for a policy that was only 70/month just a few years ago, something similar. And in the event I want to cancel my current policy and simply go without, as I'm paying out of pocket for most of everything anyhow, how can one protect their assets in the event of a catastrophe and the resulting five or six figure bill?
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