As we all watch Virginia descend into an evil maelstrom of Marxist pro-criminality, please allow me to explain what happened and what the remedy is.

[ding]

No, I believe Obamacare eliminated high deductible plans. The scam was offering high deductible plans to people who couldn't afford the deductible.

You believe wrong. They taxed Cadillac plans like the one I had. So employers changed their plans to avoid the taxes. Which they knew they would. My deductible went from $300 per year to $3000 per year. All for the insurance companies.

The Affordable Care Act (Obamacare) did not eliminate high-deductible health plans (HDHPs); in fact, they remain a common option, with many Bronze and catastrophic marketplace plans functioning as HDHPs. Starting in 2026, all Bronze and catastrophic plans are designed to be paired with Health Savings Accounts (HSAs). While the ACA mandates comprehensive coverage, average deductibles for these plans have increased over time, often exceeding $7,000 for bronze plans in 2026.

 

[ding]

Almost everyone in my family had some expensive procedures before Medicare.

Define expensive.

 

[alang1216]

Or pay for it out of your pocket. How many surgeries have you had in the last 5 years.

I had 2, my wife had one. Without insurance, probably would have cost me $30K easy.

 

[alang1216]

Define expensive.

My son had some serious issues at birth. Very expensive.

 

[alang1216]

You believe wrong. They taxed Cadillac plans like the one I had. So employers changed their plans to avoid the taxes. Which they knew they would. My deductible went from $300 per year to $3000 per year. All for the insurance companies.

The Affordable Care Act (Obamacare) did not eliminate high-deductible health plans (HDHPs); in fact, they remain a common option, with many Bronze and catastrophic marketplace plans functioning as HDHPs. Starting in 2026, all Bronze and catastrophic plans are designed to be paired with Health Savings Accounts (HSAs). While the ACA mandates comprehensive coverage, average deductibles for these plans have increased over time, often exceeding $7,000 for bronze plans in 2026.

The average American has about $62,410 in savings (including checking/savings/money market accounts) according to 2022 Federal Reserve data, but the median is much lower at $8,000, making the median a better indicator of the typical person's savings, as high earners skew the average. Savings vary significantly by age, with younger adults having less and older adults having more, and many households struggle, with only about half having enough savings to cover three months of expenses.

 

[ding]

My son had some serious issues at birth. Very expensive.

I had 2, my wife had one. Without insurance, probably would have cost me $30K easy.

Fair enough. I’m not arguing to not have insurance as much as I am arguing there needs to be reform. It’s idiotic to prepay for everything. Especially since it doesn’t pay for most.

Did you know catastrophic insurance is only available for people for people 30 or younger? The game is rigged and politicians are complicit.

 

[ding]

The average American has about $62,410 in savings (including checking/savings/money market accounts) according to 2022 Federal Reserve data, but the median is much lower at $8,000, making the median a better indicator of the typical person's savings, as high earners skew the average. Savings vary significantly by age, with younger adults having less and older adults having more, and many households struggle, with only about half having enough savings to cover three months of expenses.

All the more reason not to prepay for medical they won’t use.