r/HealthInsurance • u/pandapower63 • Apr 14 '24

Plan Choice Suggestions What can regular Americans who are fed up with their health insurance do about it?

I’ve written my elected officials in government. What else can we do? It’s depressing and it’s wrong. That people can’t get healthcare easily and affordably. People are dying early because they don’t get the care they need.

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u/noneyabidness88 Apr 14 '24

There is always the option to not have health insurance. It's what i am doing. The company i work for just changed carriers and tried to raise my rates by 400%. So i declined to take it.

Anything minor enough to be covered by the insurance isn't worth paying them for, and anything major won't be covered anyway.

So, i simply dont get treatment. Whether i need it or not is irrelevant.

Yes, i know that doesn't work for everyone, but it works for me.

1

u/Effective_Cat3572 Apr 15 '24

Why in the world do you think major stuff is not covered under insurance?

That's... a take.

0

u/noneyabidness88 Apr 15 '24

The high-deductible plan? Its obscene. I have to meet my OoP max before things get covered. Idk about you, but i cant afford that much medical treatment. And then there are premiums on top of that.

Thanks, but no thanks.

Im better off just handling things myself and ignoring the things i cant.

1

u/Effective_Cat3572 Apr 15 '24

High deductible plans are like $12k max. That isn't a "something major" happened bill. That's a something minor happened bill.

A major bill of tens or hundreds of thousands of dollars for $12k plus premiums sounds like a good deal to me. But I value my life, so....

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u/noneyabidness88 Apr 15 '24

Yeah, i dont have $5k lying around to pay for medical things, let alone $12k. That is instant bankruptcy for me.

And, that's fair enough; i dont.

1

u/Effective_Cat3572 Apr 15 '24

Most people don't have $5-12k lying around. You get on payments to the hospital, or apply for charity care to have your bill reduced or eliminated. But at least you get comprehensive treatment because you have insurance.

There are alternatives to basically self-neglect suicide

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u/kstravlr12 Apr 14 '24

Are you me? This is my experience exactly!