Quote:
Originally Posted by Moses
Illegal aliens have very little impact on the price we pay for health insurance as they are generally uninsured. The cost of their care is borne by county, state and federal funds. Ultimately, they have an impact on your tax rates, but not your health insurance rates.
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That was my point, Doc.
Can you answer this? I have an HSA and essentiaally catastrophic coverage. We have never met our deductible (fortunately). On the rare occasions my wife or I do go to a provider, we indicate we will be paying upfront ourselves. As a result we get charged the super retail amount; i.e., not the discounted amounts an insurance company would pay. I've been fortunate to have one of my wife's physicians to charge the resuced amounts. Where it is most painful to the pocket is with pharmacies. Since we are paying from our HSA we still get charged much more than what an insurance company would pay for the same meds.
We've esssentially agreed to self insure up to $10K or so. Doesn't seem fair.