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I’m thinking about getting rid of medical insurance

Posted on 6/18/24 at 7:52 pm
Posted by cbtullis
Atlanta
Member since Apr 2004
6796 posts
Posted on 6/18/24 at 7:52 pm
Anyone done this?
I mean the more I look at the cost what we spend as family what’s the point?
And if we have catastrophic event taxpayers pay for it anyways and now it doesn’t effect credit
So what am I missing?
Posted by BozemanTiger
Member since Jul 2020
4518 posts
Posted on 6/18/24 at 7:54 pm to
quote:

Anyone done this?


Haven't had it for fifteen years.

Eat healthy and let the chips fall where they may.
Posted by texas tortilla
houston
Member since Dec 2015
3966 posts
Posted on 6/18/24 at 7:58 pm to
I know a guy when he needs dental work, he goes to Puerto Vallarta on vacation to see his dentist.
Posted by BozemanTiger
Member since Jul 2020
4518 posts
Posted on 6/18/24 at 8:04 pm to
quote:

texas tortilla


After I started eating zero processed food I haven't gotten sick once. Zero. Nada.

If you pay attention and literally strive to keep inflammation as low as possible through dietary means.. . the rest is up to chance or some divine plan we have no control over.
This post was edited on 6/18/24 at 8:05 pm
Posted by Penrod
Member since Jan 2011
51573 posts
Posted on 6/18/24 at 8:08 pm to
quote:

If you pay attention and literally strive to keep inflammation as low as possible through dietary means.. . the rest is up to chance or some divine plan we have no control over.

I think you give good advice, but can you tell me the purpose of the word “literally” in your post? And if it serves a real purpose why not use it again in front of “pay”?
Posted by TN Tygah
Member since Nov 2023
7837 posts
Posted on 6/18/24 at 8:10 pm to
quote:

I think you give good advice, but can you tell me the purpose of the word “literally” in your post? And if it serves a real purpose why not use it again in front of “pay”?


I was wondering this as well.
Posted by Timeoday
Easter Island
Member since Aug 2020
16950 posts
Posted on 6/18/24 at 8:22 pm to
Yes and if you have an unaffordable event, you can set up a payment plan that is 1/25th of an insurance premium.
Posted by rebelrouser
Columbia, SC
Member since Feb 2013
12715 posts
Posted on 6/18/24 at 8:24 pm to
quote:

So what am I missing?


Cancer.
Posted by AgSGT
Dixon, MO
Member since Aug 2011
2061 posts
Posted on 6/18/24 at 8:27 pm to
For young healthy folks the best approach to health care is a catastrophic insurance plan coupled with a concierge care plan if paying out of pocket
Posted by The Cool No 9
70816
Member since Jan 2014
10949 posts
Posted on 6/18/24 at 8:35 pm to
Apparently my state of La Medicaid just got canceled because I was too busy to go through the convoluded shite paperwork they needed me to do
Posted by Bestbank Tiger
Premium Member
Member since Jan 2005
78701 posts
Posted on 6/18/24 at 8:53 pm to
I switched to a sharing ministry.
Posted by Indefatigable
Member since Jan 2019
35484 posts
Posted on 6/18/24 at 8:54 pm to
quote:

So what am I missing?

Do you have a family?
Posted by Thecoz
Member since Dec 2018
3789 posts
Posted on 6/18/24 at 8:56 pm to
“event taxpayers pay for it anyways and now it doesn’t effect credit”

Yay I get to pay for your medical bills..

You should at least look at catastrophic insurance …but I think you are considering a bad path…
Posted by Junky
Louisiana
Member since Oct 2005
9045 posts
Posted on 6/18/24 at 9:01 pm to
I’m not there yet. Though I absolutely hate the medical industry as a whole. I have found one doctor that will sit down, have a conversation and figure out a good course to take (allergist).

Cook real food at home, we rarely get sick. I could take what I spend every month into a plan I hardly use towards better clinic care.
Posted by carguymatt
Member since Aug 1998
Member since Jun 2015
955 posts
Posted on 6/18/24 at 9:12 pm to
I'm thinking about it too. I didn't have it while I was self-employed from about 2014 to 2022. Never needed it. The only reason to have it is if you own assets you can't sign over to anyone else, go to the hospital for an accident, then get sued by the hospital. If you're self employed don't get it at all. I just have it b/c the cost is at a 60% discount and I'm worth millions, I mean 10,000ish
Posted by BozemanTiger
Member since Jul 2020
4518 posts
Posted on 6/18/24 at 9:26 pm to
Maybe because I wanted to stress one point over another?

I thought the perseverance of the act of keeping inflammation down was primarily important and useful to stress, over any other thought I might have for someone capable of paying phucking attention.

Aren't you the same jackwagon who says there's nothing wrong with puling flesh off of forearms and turning them into fake, flaccid, faux-dicks; and whacking off functioning dicks and turning them into gaping wounds that require life-long, anti-infection drugs just to exist for a brief period of time before the tortured victims kill themselves?

Why in the PHUCK should I take you seriously?
This post was edited on 6/18/24 at 9:50 pm
Posted by MemphisGuy
Germantown, TN
Member since Nov 2023
13415 posts
Posted on 6/18/24 at 9:29 pm to
quote:

And if we have catastrophic event taxpayers pay for it anyways and now it doesn’t effect credit
So what am I missing?


Something about being a decent human being, doing what's right and not an a-hole drag on society comes to mind. But that's just me... I pay my bills.
This post was edited on 6/18/24 at 9:30 pm
Posted by HubbaBubba
North of DFW, TX
Member since Oct 2010
50677 posts
Posted on 6/18/24 at 9:31 pm to
quote:

processed food
Rarely do I buy processed food any longer. Read the labels, folks.
Posted by 10thyrsr
Texas
Member since Oct 2020
925 posts
Posted on 6/18/24 at 9:35 pm to
Medical insurance is your pass to get treated by the monopoly that controls healthcare. It doesn't actually provide any benefit other than that.you will still pay the full price of healthcare, but now there is an intermediary who decides if what you want to do with your money is "allowed". If you can find someone who operates outside of that Monopoly, then you are gold. This is rare.

Posted by dstone12
Texan
Member since Jan 2007
38245 posts
Posted on 6/18/24 at 9:36 pm to
What about pre existing conditions?

My middle child has strabismus/extropia....that first surgery, alone was over 85k.

I have had 13 hip/foot/knee surgeries.

Bilateral knee replacement was over 200k for which Blue Cross said they'd pay


There are six of us so my premiums are $2450/mo.



What are the other options?
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