Replies

I have a policy with a $10,000 deductible, limits of 1 or 2 $million, and pay $56/month.
I was about to ask if there was such a policy like this. Glad to see there is.
I've been to some independent doctors lately and they do offer a different price for cash vs insurance. I think that's the way to go for most services: it forces the consumer to shop around. Right now what's the benefit of doing so? Nothing. Ditto with using generic drugs vs the name brand. Wow, I can pay $10 to get the generic vs $15 for the name brand; who takes that option? If the difference was $5 vs $50 they would.

I have not made a decision yet, but I found this site the other day:
https://www.ehealthinsurance.com/ehi/Welcome.ds
When I was looking for insurance about 4 years ago, I couldn't find high deductible coverage so I opted to go without it. I just spent 9 days in the hospital without insurance coverage and the bill is about $25,000 - about what it would have cost me if I had paid the BC/BS premiums monthly.
The incredible news is that the doctor only charged $250.00 for the surgery and 9 followup visits while I was in the hospital and he made sure that I had plenty of samples of the medicine that I needed when I went home.