Absolutely - they'd be better off just putting the money in a savings account instead of paying the premium. If they do need major medical they are still going to lose the house, whether they are covered or not.
<....” If they do need major medical they are still going to lose the house, whether they are covered or not.”....>
I rent, but well remember selling furniture in my yard to pay medical bills... I had a 80/20 plan...which covered much but that 20% will mount up rapidly into thousands and this along with co-pays.... and you still have to pay the premium every month!
Until you go through a major illness you cannot believe how much you are billed. Additionally there were above what was customary costs...so you get nailed down to the ground.
But with these huge deductables... you’re going to pay you’re medical bills plus your premium...it makes no sense at all! Except of course the Gov. has a steady source of revenue to their coffers....