Hutch Starskey
Diamond Member
- Mar 24, 2015
- 34,358
- 8,585
- 1,340
A deductible by definition, is only paying for what you use, dope.
Wrong, it's the forced equivalent of being self insured up to the amount of the deductible. You don't have insurance if you never meet your deductible, so yeah, you're paying for something you can't access.You don't have insurance if you never meet your deductible, so yeah, you're paying for something you can't access.
That makes no sense at all. When have you ever had health insurance with no deductible or copay?
Obviously this would not be the plan for someone who is not well and needs continuous care. It's basically a catastrophic care plan. Spend a week in the ICU and that deductible looks pretty good.
You have to look at the total annual cost.
A handful of office visits annually is maybe a grand. That's cheap for a year's worth of coverage. You're only paying for what you use.
LOL, yeah, you only pay for what you use, if you don't count the premiums.
We're talking about the Bronze plan.
The lowest premium and highest deductible.
Factor in the subsidy and it gets even cheaper.
I don't know what you think is too much to pay for a year's worth of coverage, but $3-$3500 isn't bad.
Sounds like a real bargain for a few doctors visits, NOT!
And catastrophic coverage, dope.
What do you pay annually?