But starting January I am off the insurance grid. I'll take the penalty next year, like you not sure what I'll do after that.
Keep in mind, not only is there developing a “cash only” health care market in this country, you can go to several other countries and get many things done for 1/4 of what they would cost here.
I am not just talking about going to a dentist in Mexico. I know a buddy who went to Montreal to get lasic eye surgery done, because it was not covered by his insurance here. It was half price of the clinics around here. He made it into a vacation.
I think this will become more common place over the coming decade. US doctors will bail on the US and set up shop in a country that does not cost as much to “operate”. Consider what some of the specialists pay these days for malpractice insurance. If you save a MILLION dollars on insurance you can afford to make a lot less.