i have the most bare-bones plan with an HSA.. for me and my three kids, it was 19K per year.. and that was basically nothing more than catastrophic insurance.. I don't think my provider actually paid for anything in the last 4 years except for my son's hospital stay (which I paid the max per person out-of-pocket for). Everything else has been paid out of my HSA.. which is at least discounted by my tax rate. Interesting tidbit, I was actually almost broke about 8 years ago after my divorce, so I didn't pay for healthcare for myself for one year, just my kids. When I notified by doctors about this, they actually were very helpful getting me prices for each procedure.. and they were very helpful directing me to hospitals in the area that actually cater to those without health insurance. Grand total for healthcare for me in that year : $300. I pay 500 per month each month for myself now (because of my age).. yet i use almost none of it... and if I did, I would have to pay out of my HSA. Now, I know that I'm paying for catastrophic conditions.. yada yada.. but being mostly 'healthy' I literally use none of that.. there is no way that health insurance providers will ever cover for anything other than what my age is.. and why? because they'll say that it is the most accurate indicator of general 'health'.. ignoring anything related to how much of the health care system that I use, or much prevention that I personally enage in (diet, exercise, etc, etc).. in the same way car value is a function of miles.. not necessarily how much maintenance has been put into it. It's a simple metric, and easy to fleece healthy people to cover those not healthy. There's only one thing that matters at all: profit margin.
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