Leave your job and lose your insurance. Everything is 100x cheaper that way. Doctors charge very little for cash paying customers. Emergency rooms and urgent cares just write off most of it to charity and charge you a bit if anything at all. The most I’ve paid for is lab work, but that’s a few and far between and still only like 500 bucks for a full panel.
YMMV. I’ve been doing this for three years and have paid less in TOTAL than private insurance wants for ONE MONTH.
That’s a pretty privileged take. If someone leaves or gets fired they still need to pay for health insurance either on the public market or using COBRA. All of this is due to the fact that health insurance is directly tied to employment as it isn’t funded by taxes.
Leave your job and lose your insurance. Everything is 100x cheaper that way. Doctors charge very little for cash paying customers. Emergency rooms and urgent cares just write off most of it to charity and charge you a bit if anything at all. The most I’ve paid for is lab work, but that’s a few and far between and still only like 500 bucks for a full panel.
YMMV. I’ve been doing this for three years and have paid less in TOTAL than private insurance wants for ONE MONTH.
The problem with this is if you have any actual significant health condition.
Yeah for sure. I think the right play is to have accident, hospital, and critical illness insurance from someplace like Aflac to cover those.
And how pray tell, are you paying for that without a job?
I still work. I just don’t play the health insurance coverage game.
Personally I own my own business, an LLC taxed as an S-Corp, and do software dev work through that paying myself a minimal W-2 wage.
But my point is that you can leave a job without worrying about losing health insurance coverage.
That’s a pretty privileged take. If someone leaves or gets fired they still need to pay for health insurance either on the public market or using COBRA. All of this is due to the fact that health insurance is directly tied to employment as it isn’t funded by taxes.
https://www.bankrate.com/banking/savings/savings-account-average-balance/
https://www.insure.com/health-insurance/cobra-problems.html
https://en.m.wikipedia.org/wiki/Single-payer_healthcare
I’m pretty sure you’re missing my point. Healthcare is cheap af when you are uninsured.
No one NEEDS to pay for health insurance. It’s just a middle class thing that most do.