I used to have a 12k deductible because Obamacare plans are literally not even risk-reward.
Like, there was not any advantage to a lower deductible - it was always more expensive, no matter how much care you needed. The lower deductible plans just made you pay money no matter what, and maxing both plans out was nearly exactly the same amount of money. Insane.
Now that I'm on employer-based health insurance, I actually save money if I spend more up front and end up needing care.
And that $388 health insurance comes with a $6K deductible. Better not need any medical care!
Don’t worry! You company probably gives you $50 a month for your HSA!!!
I used to have a 12k deductible because Obamacare plans are literally not even risk-reward.
Like, there was not any advantage to a lower deductible - it was always more expensive, no matter how much care you needed. The lower deductible plans just made you pay money no matter what, and maxing both plans out was nearly exactly the same amount of money. Insane.
Now that I'm on employer-based health insurance, I actually save money if I spend more up front and end up needing care.