Bipartisan legislation aims to get more Americans into high-deductible insurance, but perils would remain.
For thrifty consumers, there’s a lot to like in high-deductible health insurance. The plans offer low monthly premiums and those fees fully cover preventive care, including annual physicals, vaccinations, mammograms and colonoscopies, with no co-payments.
The downside is that plan participants must pay the insurers’ negotiated rate for sick visits, medicines, surgeries and other treatments up to a minimum deductible of $1,500 for individuals and $3,000 for families. Sometimes deductibles are much higher.
That’s the most infuriating part. You pay for it no matter what. You’re gambling that you won’t get sick and you can keep yourself healthy. But the thing this always ignores is the human body ALWAYS breaks down over time. We all need healthcare at some point, whether it’s for a surprise tumor, a pregnancy, or just getting old. You can do everything right and at some point you will still need to engage the system, either for yourself or for a loved one. You’re still going to pay for it.
But heaven forbid you pay for it out of your (shudder) taxes.
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That’s the most infuriating part. You pay for it no matter what. You’re gambling that you won’t get sick and you can keep yourself healthy. But the thing this always ignores is the human body ALWAYS breaks down over time. We all need healthcare at some point, whether it’s for a surprise tumor, a pregnancy, or just getting old. You can do everything right and at some point you will still need to engage the system, either for yourself or for a loved one. You’re still going to pay for it.
But heaven forbid you pay for it out of your (shudder) taxes.