re: Been experimenting with "health insurance" for a year and a half

quote:

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Now, I know this is not for everybody(can't take this risk if you have kids). But I looked at my parents medical history and they are relatively healthy. I exercise 5x a week, eat well, maybe get sick once every 5 years.

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You're one car wreck away from bankruptcy. Younger people have different risk factors but they're not immune from having catastrophic medical bills. Your $5000 cushion wouldn't cover a day in the hospital.