re: What exactly am I getting out of my health insurance

quote:

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But if I had an account full of money I paid to insurance companies, i would be much better off and could actually afford the catastrophic bill. Now I pay insurance, never use it, and will still not have the money for a future catastrophic bill because the insurance company has my money

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Dude. Many of us here have HSAs giving us a tax break and some investment gains. That is what you should be doing.

The HSA funds are what you use to pay your catastrophic bills.