re: Cost of health insurance?

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35 years old

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I do not have any need for a doctor.

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You should have annual bloodwork and a physical examination done yearly, but I think understand what you mean. It's an absolute travesty that someone like you (or me, for that matter), can no longer hold a disaster plan (~$100-150/mo, $7-10,000 deductible, no benefits otherwise) and pay cash for the one physical a year.