[wintertime]

My husband and I need health insurance for a truly catastrophic event, but our state has outlawed this type of coverage. We are given no option whatsoever to buy high deductible health insurance.

For instance, we could pay, on our own, for a broken arm, gall bladder removal, basic heart attack, and maybe even most of the cost of breast cancer...but...we would be wiped out in the event of a very long stay in an ICU.

Also....When we were running our small business, we could have afforded a high deductible health plan for our employees. Yes, it would have left them with a big bill in the case of a horrible illness or accident, but they wouldn't be bankrupt. Because insurance is so highly regulated by our state, this option was not open to us as employers and, over the years, many of our employees lived without any health insurance at all.

It just steams me that our state legislators have put us in the position of having to buy more health insurance than we really need.

[GlockThe Vote]

That’s my same situation. I just got a thirty percent inmcrease after getting a twenty percent increase a few months ago. I am beyond livid.

[November 2010]

I've checked out high deductible policies. They cost almost as much as ones with low deductibles. It seems like almost all of the risk you pay for in health insurance is the catastrophic risk.