Quote:
Originally Posted by Rick Lee
I have a high deductible plan. Ded. is $1800 and they pay 90% after that. I put $75 per paycheck in an HSA
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$1800 is not high. I have a $3500 deductible and put the maximum ($3600) in my HSA.
The way I look at it is, I pay an insurance company to cover catastrophic events and to get me lower prices.
This is a terribly inefficient system. A lot of our health care money goes to bureaucrats and MBAs who couldn't apply a band-aide who beat on doctors (excuse me, "negotiate with health care providers") to get them to charge less. It would be a lot more efficient if health care providers just charged less to begin with and all our money went to them. The people who actually provide our health care would get more and we would pay less.
By having relatively low cost insurance (due to the high deductible) I get the same benefit of the clowns in suits beating on doctors that people with low deductible and high price insurance get, plus catastrophic event insurance.