Reply to Frustrated. Take home pay $9k. Health insurance $3k/month

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]It’s better to go without insurance. Save the money to pay for the catastrophe.[/quote]

This is just incorrect.  My 16 year old nephew, an athlete and in wonderful health, was diagnosed with lymphoma (cancer).  Without health insurance, my sister would have gone bankrupt.  It is not better to not have insurance  because cancer or something similar can hit anyone, any age.

You can't save enough to cover some kinds of catastrophes.  You can hope it's not you, but you never know.  And that's a gamble I don't think is worth taking[/quote]

NP. The health insurance companies count on consumers thinking like this. In reality, insurance often denies quality care for catastrophic conditions too—transplants, cutting edge treatments for cardiac arrest. When you add up the premiums and the paltry coverage, the math shifts towards self coverage for many.  [/quote]

But just basic treatments -- the ones virtually everyone wants to try first -- have cash prices that will easily exceed 100k. For many, 250k. That doesn't include high-intensity treatments often covered by insurance like stem cell transplant. I don't see how knowing second, third, or fourth line treatments could be denied changes the calculus for anyone but the ultra rich who can legitimately afford to self-insure. [/quote]

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