[APBaer]

"If you aren't self-insuring, how many are raising deductibles to simply cover major emergencies?"

Yes, I do not have "medical insurance" as it is commonly bought.

I have a policy with a $10,000 deductible, limits of 1 or 2 $million, and pay $56/month.

My thinking is:

A. I see people paying several hundred/month for (not even) first dollar coverage. I only have to be healthy for 1 1/2 to 2 years to make up for the $10,000 deductible.

B. I take care of myself. No smoke, no drink, no drive car, why should I subsidize a nutty kid?

[laurav]

Will you please Freep-mail me with the name of your insurance co. that has the 10k deductible (catastropic coverage)? I'm in the market for just such a plan. Thanks!
LauraV

[lelio]

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.

[lone star annie]

My husband and I are both self employed now and we pay 189 a month for insurance for three of us. We have a 2k deductible and total out of pocket limit of 5k per person. Bottom line if you have to go to the hospital you pay 5k. I think that is pretty reasonable. If we were to carry an HMO for three of us it would cost over 800 a month.

We get two office visits per year and drug benefits. The cost difference is worth it because we remain healthy.

I hope we get Medical Savinngs Accounts and tax credits to purchase insurance that would be great.

[oldcomputerguy]

Just post the company, please. Sounds worth investigating anyway.

What is the policy called?