Quote:
Originally Posted by aniloscash
you should look at a health care saving account. do you really come close to spending 15k year on medical bills. I would thikn you would be better to get catastrophic insurance and a tax free saving account.
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take a close look at what you call 'catastrophic care' and you will find the fine print makes it into swiss cheese. It's a denial waiting to happen. The more expensive plans don't just offer more coverage... they offer coverage with less loopholes for the insurance companies to screw you with. Same thing with going with 'no name' insurance carriers... their business is based almost entirely on denial of coverage when you actually need coverage.
health care savings accounts sound nice... and they work if you have a kidney stone. If something actually bad happens... those accounts get exhausted very quickly and the ancillary catastrophic care rarely kicks in to to help you as much as you might expect.