I get to pay 4k a year, just to be able to be charged only 6k out of pocket. After that 10k, I still would owe 10% of every charge after that.
Or I can pay 2k a year for the privilage of being charged a little over 8k out of pocket. After that, I’d owe 20% of everything after.
So every year, I get to gamble my prospective income on how much healthcare I think I’ll need. I want to save on monthly costs? Hopefully nothing emergent happens. Expecting a procedure? Now I’m out a few extra hundred a month just so I don’t have to pay more than 10% after already paying 6k.
All this is assuming I don’t get denied coverage and have to foot the whole bill anyway. I need to see a specialist, though, and the only one nearby isn’t in my network. I gotta drive an hour and a half or pay 100%.
I’m paying more than the savings I’m able to put away to assholes who own yachts bigger than the house I rent.