We’ve been self-insured plus catastrophic insurance for sometime because (i) we own a small business; and (ii) my partner is a diabetic and recently had 3 stints and a pacemaker. He hopes that there will be reasonably priced insurance for him on the exchanges. I am going to continue to do what I have been doing and pay the fine because I am 18 months from Medicare. The exchanges want $7800 to insure me with a $12500 deductible. I haven’t spent $12500 on my healthcare in my entire life (minus child birth). I am blessed by great good health.
“The exchanges want $7800 to insure me with a $12500 deductible. I haven’t spent $12500 on my healthcare in my entire life (minus child birth). I am blessed by great good health.”
For $20,300 a year, you could probably have a Stanford Chief of Medicine a concierge doctor, and a lot less for a good doctor in your area. You could have a good concierge doctor and spend $1,000 a month for top drugs and still have money left for lab tests.