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[quote=Anonymous][quote=Anonymous]When I was a kid my parents only had insurance for hospitalization - it covered nothing else no doctors visits, etc. Maybe they still offer it in some form?[/quote]

I believe they are called indemnity plans, they basically cover catastrophic events. I personally think that is what health insurance is for. My car insurance doesn't cover gas, oil changes, and other basic services - it's there in case I get in an accident. But more and more we want health insurance to cover breast pumps and other things and that is why more people like OP can't afford it. Couple that with increased costs due to more expensive treatment options (fewer people are dying of cancer because we have better but more expensive treatments) and our poor health (increased obesity causing chronic diseases, etc.) and the costs are really unsustainable.

So people drop their insurance, then end up in the ER and costs go up for everyone.

Sorry OP - it's a sucky situation. Try to hold on to it if you can, it's harder to get insured if you've been without insurance for a while. [/quote]

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