A plan I looked at had a $2500 per year deductible before the 80/20 coverage/payment split kicked in. It cost nearly $800 a month. I am better off saving the $800 a month and adopting a lower risk lifestyle. If I save $9600.00 a year towards medical expenses and pay for routine doctors visits out of pocket then in ten years, if I need an ankle transplant or heart surgery I’ll have at least $150,000 (including interest) for the procedure. If I don’t need the medical procedure I have the cash for the down payment on a Ferrari.
That’s the risk and rewards of it.
I like your way of thinking saving the amount of money if you can stay reasonably healthy until age 65 you have a great nest egg!!! You would just have to PRAY that cancer doesn’t get hold of you!!!
My heat surgery and post-surgical care were 100% covered by Medicaid. I never see a hospital or a doctor’s bill.
Very satisfied with my coverage.