You Don't Need Health Insurance
Posted: Wed Jan 31, 2024 9:31 am
You Don't Need Health Insurance
The post discusses the author's experience going without healthcare. Her method boils down to shopping around via price on the everyday things like glasses and dentists, and then negotiating later on for emergency items. She says that for her, going without insurance is more cost effective than what she'd be paying in premiums plus her deductible. She is not completely against using health insurance and under certain circumstances, like pregnancy, cancer diagnosis etc. she will find a health care plan. It's unclear how she would find one for the latter after open enrollment but she says that one of her uninsured friends was able to do so with the help of some hospital workers.
Some tactics that I hadn't heard about before:
-To get a prescription, she makes an appointment with a doctor on GoodRX.
-For dentists, she searches around for deals on GroupOn.
-For the times she needs to do an in person doctor appointment, she uses Zocdoc to find doctors and then calls around to compare cash prices.
In the comments, she states that the best option for high income earners is likely some type of health-share program, just like MMM.
Something that she doesn't mention in the post is that most hospitals have some type of assistance program that significantly reduces or eliminates the cost for those with lower incomes.
The post discusses the author's experience going without healthcare. Her method boils down to shopping around via price on the everyday things like glasses and dentists, and then negotiating later on for emergency items. She says that for her, going without insurance is more cost effective than what she'd be paying in premiums plus her deductible. She is not completely against using health insurance and under certain circumstances, like pregnancy, cancer diagnosis etc. she will find a health care plan. It's unclear how she would find one for the latter after open enrollment but she says that one of her uninsured friends was able to do so with the help of some hospital workers.
Some tactics that I hadn't heard about before:
-To get a prescription, she makes an appointment with a doctor on GoodRX.
-For dentists, she searches around for deals on GroupOn.
-For the times she needs to do an in person doctor appointment, she uses Zocdoc to find doctors and then calls around to compare cash prices.
In the comments, she states that the best option for high income earners is likely some type of health-share program, just like MMM.
Something that she doesn't mention in the post is that most hospitals have some type of assistance program that significantly reduces or eliminates the cost for those with lower incomes.