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insurance costs $15000 per year for a family of 4, for a medium deductible plan.
no wonder people are dropping health insurance.... cuz you really don't need it.
for that kind of money, even the uninsured comorbid fat fark with diabeetus and dyslipidemia can see the doctor at least 100 times a year.
let's do the math.
assuming you're 40 years old with a family. you pay $800 per month for a high deductible plan
your kids are healthy. everyone gets the flu once a year.
total insurance- ~$10000 a year.
actual cost of doctor's visit and meds = $100 x4 = $400 with no insurance.
with insurance = $40 copay x 4. meds = $10 copay x 4. total = $200 with insurance.
you're paying $10000 for $400 of care.
total cost with insurance = 10000 + 200 = 10200.
total cost uninsured = 400-500.
let's say you need a CT scan. Without insurance, +$1000 out of pocket after personally haggling with the hospital.
Even if you had your $10k insurance plan, you'd still pay $800 extra out of pocket because you haven't reached your annual deductible.
total cost with insurance = 10k + 800 = 10800.
total cost uninsured = 1000.
so i say everyone should drop their insurance, pay out of pocket, and don't text & drive.
no wonder people are dropping health insurance.... cuz you really don't need it.
for that kind of money, even the uninsured comorbid fat fark with diabeetus and dyslipidemia can see the doctor at least 100 times a year.
let's do the math.
assuming you're 40 years old with a family. you pay $800 per month for a high deductible plan
your kids are healthy. everyone gets the flu once a year.
total insurance- ~$10000 a year.
actual cost of doctor's visit and meds = $100 x4 = $400 with no insurance.
with insurance = $40 copay x 4. meds = $10 copay x 4. total = $200 with insurance.
you're paying $10000 for $400 of care.
total cost with insurance = 10000 + 200 = 10200.
total cost uninsured = 400-500.
let's say you need a CT scan. Without insurance, +$1000 out of pocket after personally haggling with the hospital.
Even if you had your $10k insurance plan, you'd still pay $800 extra out of pocket because you haven't reached your annual deductible.
total cost with insurance = 10k + 800 = 10800.
total cost uninsured = 1000.
so i say everyone should drop their insurance, pay out of pocket, and don't text & drive.