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Half the time I don’t even understand why I pay for insurance. It doesn’t seem to cover anything.
Even when it’s supposed to work, there’s always something. Surprise surprise that one doctor was out of network! Should’ve noticed while you were unconscious.
Been on high deductible for 9 years moved to a medium level traditional plan. I feel like I'm spending the same amount of money just less bills to deal with. Only time I can see it being cheaper is if you have something chronic.
I’m not convinced that HD health plans did much more than reduce premiums on paper. It didn’t really address any of the problems with the system.
You can call more people insured I guess.
They didn't. All they really did was disallow carriers to either drop or deny you for preexisting conditions (which they just charge you up the ass for to make it back), and fine people for not paying for private insurance, all while being able to claim they did something. It's a fucking joke.
They really only seem worth it when paired with an HSA. I have really expensive coverage now, because: kids. If I instead had my company’s high deductible plan plus funded an HSA to cover the deductible, both my premiums and coverage would be about the same. However for years when I didn’t use the entire HSA, it rolls over for the future. If you can afford this combination and not always sick, you have good coverage and premiums going down over time. With kids, there’s always something, so not worth it for me
Yeah, I'm on a HDP + HSA as well and it works for us at the moment. No plans to have kids and don't get sick often. If and when the chronic issues start manifesting, then maybe we will consider a traditional plan. Still shocking to see those bills though.