I find the “concierge” approach interesting, but what does one do for catastrophic insurance in these days of Obamacare ?
Seems like you'd need to have a separate catastrophic plan. Of course Obamacare has made those kinds of plans illegal. It might be time to look for a "religious exemption" and get a plan set up under that.
What about prescription drugs though? I sure haven't been offered any discounts when I have to buy a prescription with cash because my insurance doesn't cover it.
“I find the “concierge” approach interesting, but what does one do for catastrophic insurance in these days of Obamacare?”
Most likely the individual would get one of the catastrophic policies when they got sick. No pre-existing conditions restrictions, remember? The problem is if it happens suddenly and you aren’t able to get a policy immediately.