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Thread: Is health insurance REALLY necessary?

  1. #11
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    Re: Is health insurance REALLY necessary?

    Quote Originally Posted by SDET View Post
    My health insurance lapsed a few months ago. The negotiated cash price with my primary care physician is less than my co-pay was. I have found cash based lab test providers and radiology providers that charge less than what I paid previously as a co-pay. Emergency care can't be denied for lack of insurance. My family premium would have been $1,500 per month. I now put that money in a 401-k much of which I can access if I need to penalty free (see rule of 55). A 401-k cannot be attached by a healthcare provider. All my assets are judgment proof. That means I can choose not to pay a medical bill and get away with it. Wage garnishment is illegal in Texas.
    Why is your family premium so high?
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  2. #12
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    Re: Is health insurance REALLY necessary?

    Two adults plus dependants comes to that. You can do a high deductible with HSA, but it still comes out to about that. My current employer contributes zero to employees coverage. That's what would be taken out of my check for their coverage.

    Quote Originally Posted by chuckiechan View Post
    Why is your family premium so high?

  3. #13
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    Re: Is health insurance REALLY necessary?

    I found a short term plan from United Healthcare with a family premium of $365 per month with $12,500 deductible and 40% co-insurance after the deductible to a maximum $10K. It's available for six months.

  4. #14
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    Re: Is health insurance REALLY necessary?

    Quote Originally Posted by Barnacle View Post
    Since you're happily paying for illegals in emergency rooms, the least you can do is pay for your fellow Americans.
    You mean like Obamacare?

  5. #15
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    Re: Is health insurance REALLY necessary?

    Quote Originally Posted by SDET View Post
    My dependants are citizens of Brazil. They have options there. I will take the hit if this turns into a losing bet for myself.
    So basically you are betting on living a healthy life until you die, odds are against you
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  6. #16
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    Re: Is health insurance REALLY necessary?

    Until age 65.

    Quote Originally Posted by Quag View Post
    So basically you are betting on living a healthy life until you die, odds are against you

  7. #17
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    Re: Is health insurance REALLY necessary?

    Quote Originally Posted by lwf View Post
    Great. So now my tax dollars will be paying for your emergency room visits. But at least we don't have universal healthcare, right?
    Its interesting the people think paying for emergency room visits is cheaper than paying for a lifetime of healthcare.

  8. #18
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    Re: Is health insurance REALLY necessary?

    Quote Originally Posted by SDET View Post
    Until age 65.
    And what happens at 65?
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  9. #19
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    Re: Is health insurance REALLY necessary?

    Quote Originally Posted by Quag View Post
    And what happens at 65?
    Medicare

  10. #20
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    Re: Is health insurance REALLY necessary?

    Quote Originally Posted by SDET View Post
    Medicare
    So you are in favor of public healthcare
    A fanatic is one who can't change his mind and won't change the subject.
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