re: Main Reason for Having Health Insurance

A

I was very healthy and other then a yearly physical I went to doc less then 5 times in 15 years. Then my right testicle was enlarged. Surgery and chemo later bills were well over 100k. Was just responsible for max out of pocket. Think $2.

At $6800/yr for my portion of employer provided family health insurance, I could pay and not use for 12 years and still come out ahead. Add in birth of my son, and wife having complications during delivery, and I can go 20 years before I “lost” money.

And we still have normal doctor visits that just cost a co pay.

You never know when something big will arrive, not destroying your financial holding and starting over is well worth the cost and piece of mind health insurance brings.