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"Having insurance" != having good insurance that doesn't have eye-watering co-pays and excesses. If your out of pocket excess is $1000 and you need $900 of tre
by philjohn 7y ago
"Having insurance" != having good insurance that doesn't have eye-watering co-pays and excesses.
If your out of pocket excess is $1000 and you need $900 of treatment, but you also need to make rent, buy gas, feed your family ... well, you don't get the treatment (or you do, can't pay, and are made bankrupt). I think you might live in a slight bubble.
- throwaway2048 7y agoout of pocket limit to $1000 is still a very good plan, out of pocket limits on the plans most people have (usually termed "bronze plans") is well north of $5000
- philjohn 7y agoWhereas my yearly out of pocket on my top up private plan in the UK is £100, the entire plan (me + family) costs the company £1600. Yes, I pay a lot more tax, but then again, public transport, healthcare free at the point of need etc. etc. are worth it to me.