I used to have good health insurance where I'd pay monthly, a small co-pay and that's it. Now comparing plans (self employed) they all seem to not cover catastrophic events like hospitalization (isn't that the point of insurance?) or don't have a co pay option you just pay out of pocket until you reach your insanely high deductible, or it costs a crazy amount to have these options. I don't get it, what is the point in paying a monthly fee for little in return?
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doesn't sound like you've used your insurance very much;; health care costs are going up, more is also going out of these insurance companies..everyone gets a little more to give out to cover expenses, while the people in the field are truly not getting these high wage increases;; the catastrophic event, if realistically looked @, will surely cause a great more sum of what your "insanely high" deductible; just a simple inpatient hospitalization can cost tens of thousands of dollars;; then, lets talk follow-ups from that hospitalization, the meds, etc...these days, businesses that have the access are allowing their employees to chose from a few different policies..it's up to you to chose which one fits your needs..medicare even does this these days..gotta do your research...if your business has only one option, it's your 'option' to chose a different business to work for..hope this helps, but it only touches on the reasons to have.have not health insurance..& ya truly NEVER know when something will happen to you medically..even people who think they are @ their prime re: health, have fallen into oblivion with what just happened to them;; almost like saying if you are a good driver, ya don't need car insurance..simply just not true...
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